Date Received: 2015-12-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I submitted my XXXX payments to Ocwen Loan Co every month from the same Bank for a number of years. Ocwen has the information on file. My credit profile is marked more than 30 days late when in fact it was not. The mortgage co. put the wrong information into there system. When the wrong information was corrected the payment was recorded. The payment was paid before 30 days late and I have requested the removal of this error from my credit report to them several times but they refuse to correct there mistake. This is reported on my credit report as XXXX of 2014.
Company Response:
State: NJ
Zip: 08002
Submitted Via: Web
Date Sent: 2015-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XX/XX/XXXX, One West Bank sent me a HAMP package, informing me that I was qualified to receive all benefits of the program, as long as I send all documentation required and complied with the trial payments scheduled for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( Please see attachment XXXX ) I sent all documentation required, and timely sent the XX/XX/XXXX and XX/XX/XXXX payments. On XX/XX/XXXX I received a phone call from One West, informing me that they had denied my Hamp application. I said to the representative that the Hamp contract stated that if I sent all documentation and make my trial payments, the loan will become permanent modified by XX/XX/XXXX ( please see attachment XXXX, page XXXX ). The One West representative told me that even if I sent the three payments, they were denying HAMP to me, she also informed me that a letter with an explanation of the denial was going to be send. However, instead I received a letter of default of my trial payments. Although, I called and asked for an investigation of the phone call I received on XX/XX/XXXX, according to One West representatives there was no way to confirmed. On XX/XX/XXXX, I was served with a foreclosure lawsuit. One west never offered another foreclosure alternative, even that I was behind my payments three months only. Because a sale day was set, I hired an attorney to defend myself. The foreclosure attorney representing One West, was accused of bringing homeowners illegally to foreclosure by the Florida General Attorney, and was placed under investigation for long time. Also, Florida 's courts were extremely behind in foreclosure cases, time went by, years and years. All that time I repeatedly asked for an investigation on my case, but One West just ignored my requests. On XX/XX/XXXX my loan was sold to XXXX, and with being able to manage my account online, thanks to new technology. I found a log of phone calls and notes by One West Bank in XXXX 's web site. The phone call from XX/XX/XXXX that I have been referring to, is recorded there. ( Please see attachment XXXX, page XXXX ). According to One West Bank they were denying HAMP to me because they thought that the house was rented, which in fact, I was renting XXXX rooms at the time. All that One West Bank need it to do was request more information and prove of residency, which I would be able to supply without any problem. I contacted XXXX 's escalation department regarding this issue, but they complied that I should be contacting One west Bank not them. One west bank has taken away from me the chance to avoid foreclosure, the chance to have my loan modified by HAMP program. One West Bank has failed in their duty of care with my HAMP modification. One west is the reason I am losing my home. One West Bank has caused me a lot of harm.
Company Response:
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2015-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Thank you for allowing me to tell you my problem. I had my mortgage with Ocwen Loan Servicing LLC . I was given a non hamp modification. The payment was {$2000.00} and the first payment was due on XXXX XXXX, XXXX. I made my payments. I met with my Homeowner Counselor, XXXX XXXX of XXXX formerly know as XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and advised her that my payment to Ocwen had gone back to what I paid before the modification, which was {$2500.00}. She called Ocwen and was advised that the modification was still pending because they were waiting to title clearance. I sent the payment and on XXXX XXXX, XXXX, I called my counselor and she called Ocwen. I now owed {$5800.00} so they said and they would send me out another modification package. The advised me that the modification was still pending a title clearance. I sent in another package in XXXX, XXXX. My counselor called Ocwen on XXXX XXXX, XXXX and spoke to XXXX # XXXX and he advised that my file was under review ; however, he now showed that I was approved for another trial starting XXXX XXXX and ending XXXX XXXX, XXXX. The payment would now be {$2000.00}. Please know that I continued to pay the old payment of {$2000.00} until XXXX XXXX and then made the {$2000.00} payment. I made several payments and then it changed back to {$2000.00}. I had not advised my counselor and continued with the {$2000.00}. In XXXX, XXXX, I contacted my counselor and advised her that Ocwen said that I am now 1 month behind. On my mortgage statement for XXXX XXXX, XXXX, it was recorded that I send {$1900.00}, which I sent. I had my counselor call Ocwen and she spoke to my specialist, XXXX. XXXX advised her that my loan was permanently modified on XXXX XXXX, XXXX. When she asked XXXX about me being one month behind, XXXX told her that there was an error on Ocwen 's part and that the payment will be updated to reflect that I was up to date. Ocwen has given me and my counselor so many mixed messages. My account was transferred to XXXX. In XXXX, my counselor spoke to XXXX XXXX and was advised that my payment was now {$2000.00}. It had gone up by approximately {$10.00} citing escrow change. I continued to make my payments and in XXXX, the recording stated that I owed since XXXX. These folks were taking the money out of my account automatically. Again I was advised that I was one month behind and whatever payments that were deducted, were applied for the previous month. My counselor asked to get a payment history from Ocwen and when they did, it showed that I was one month behind. Ocwen never cleared their records before the transfer. I am writing you because I am not behind and Ocwen should of had this corrected. I also wrote to XXXX ' Correspondence Department because they advised me that they will do an in depth search. Originally, when my loan was transferred, they never received all the documents from Ocwen. Please assist me.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2015-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: To whom it may concern, I recently refinanced my mortgage loan through XXXX XXXX, an affiliate of OCWEN Loan Servicing. When the loan matured in XX/XX/XXXX, I made my payment accordingly and sent the payment by check via mail. A few weeks later, i received a check in the amount of {$580.00}, which is less than my monthly mortgage payment. This check was titled " Escrow over payment '' and since i had just refinanced my loan, and essentially the old loan was paid off, this did not seem out of the ordinary to receive a check for any additional money that may have been in the account. As time went on, I received my monthly mortgage bill for XX/XX/XXXX, and the bill stated I had a past due amount that was never paid. So as any concerned homeowner would do, I got on the phone to try and figure out where the issue was. After a very short phone conversation with XXXX, ID # XXXX, he assured me this was a minor problem that stemmed from the new bill and my payment " crossing in the mail '', I was current in payment and a new mortgage bill would be sent out and there was nothing I should worry about. In the mean time, I was being reported to the credit bureaus as being delinquent for payment. A few days after speaking with XXXX my wife convinced me to call back and I reached and individual, XXXX, who realized there was a big problem. After a 2 hour phone dispute, it was determined that OCWEN has records of receiving my mortgage payment on XX/XX/2015, BUT HAD NEVER CREATED MY NEWLY REFINANCED MORTGAGE LOAN ACCOUNT UNTIL XX/XX/2015. So when i sent my payment in for the month on XX/XX/XXXX, it was rejected ( and split into XXXX sums-for whatever reason- ) and sent back to me under the title " Escrow Over Payment ''. I was reported to the credit bureaus for being delinquent for 38 days, and this now shows on my report!! When i was on the phone resolving this issue, I was told I needed to make a double payment at that time, so I would not be delinquent for ANOTHER consecutive month! I had to make these payments on XX/XX/XXXX, right before XXXX! On top of making a DOUBLE mortgage payment 2 weeks before XXXX FOR SOMETHING I WAS NOT AT FAULT FOR, I also now have a poor credit report following me around! OCWEN LOAN SERVICING NEEDS TO BE REVIEWED! XXXX XXXX XXXX, Ohio
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2015-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-18
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: On XXXX/XXXX/2015 tryed to work with Ocwen for Loan Modification got nowhere. Wrote to Senator XXXX XXXX detailing my issues. His office contacted Ocwen. I received a letter from Ocwen stating my would be completed by XX/XX/2015. Nothing happened. Received another letter stating my case would be done by XX/XX/2015 nothing happened again. Been getting the runaround ever since.
Company Response:
State: MD
Zip: 20715
Submitted Via: Web
Date Sent: 2015-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Once again for about the 8th time this year I am registering a complaint against Ocwen. They simply refuse to contact my XXXX to have them refund the money that that illegally sent Ocwen to have them ( Ocwen ) pay my XXXX. over {$27000.00} from an illegal and bogus bill that my XXXX sent them while this was being disputed in the court system which had not even been settled yet. And it was settled out of court and the XXXX was entitled to no penalties or fines for which they were paid from Ocwen anyway. Ocwen is constantly being sued and loosing on near daily basis for illegal activities. The SEC may also want to get involved with this investigation because I believe their stock is being manipulated too. Ocwen 's stock has went from an all time high of approx. $ XXXX per share to approx. {$6.00} per share for no reason. They constantly rip consumers off who probably do n't no better and disrupt peoples lives on a daily basis. As of right now Ocwen has completely ruined my credit along with my XXXX XXXX XXXX XXXX and their law firm XXXX XXXX XXXX. This needs to be addressed right now before Ocwen goes out of business and I am left without a home because of XXXX and XXXX XXXX condo assoc. nonsense and illegal activities. Also, when I look at all of the complaints on CFPB, Ocxen seem to have far more complaints than any other mortgage/banking firms operating.
Company Response:
State: MO
Zip: 63011
Submitted Via: Web
Date Sent: 2015-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-18
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My husband lost his job XX/XX/XXXX and was out of work for 3 months then had a job that could not fully pay our mortgage. As soon as we found out, I called Ocwen to let them know and to find out if there was anything they could do to assist us through the transition. They said, that until we were 6 months behind there was nothing they could do to help. I kept being harassed and threatened on a daily basis, so finally about 3 months into the job loss they allowed us to do partial payments. We entered into the process of a permanent modification in XX/XX/XXXX. In the 12 months it took them to finally approve the modification they " lost '' our paperwork twice, switched computer systems and changed our relationship manager at least 6 times. Every week or so my husband had a scheduled call with our relationship manager who assured us that everything was fine and we were " on track '' At this time they told us to stop making any payments because it would change the modification numbers and " mess up '' the process. When we finally received the completed modification paperwork, they began reporting that we had XXXX mortgages to the credit agencies, XXXX has 10 months of late payments, the other has 6 months of late payments. We have tried multiple times to refinance to get away from Ocwen so that we can have some peace of mind. But no one can help us. We have been paying a credit repair lawyer for months. Ocwen refuses to verify credit with the lawyers and they refuse to report to the credit bureaus correctly. For a few months they were rolling over the late payments of my husband 's credit, so first they reported that we were late from XX/XX/XXXX and back 6 months, now they have reported that we were late from XX/XX/XXXX and back 6 months. But the final modification did not originate until XX/XX/XXXX and our first modification payment was to be made by XX/XX/XXXX. We were to make 3 initial " trial payments '' which had to be done by certified bank check. The first XXXX was made on XX/XX/XXXX, the second was done on in XX/XX/XXXX and the 3rd one was done on XX/XX/XXXX. They are still claiming that we did not pay on time in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. In the " official '' modification paperwork, the mortgage payment numbers do not match our statements that we are currently getting. Currently XXXX has deleted both accounts from my husbands credit report because Ocwen refuses to verify credit. Recently, we were told that we were " sold '' to XXXX XXXX, which is just Ocwen 's new name ( we got a letter claiming they were changing their name from Ocween to XXXX XXXX a few months back ). When I tell other mortgage companies that we are with Ocwen currently, they tell me how sorry they are and that we are just " screwed '' And that Ocwen has been doing this type of shady business since at least XX/XX/XXXX. We were told by the VA that according to their rules that Ocwen was supposed to tack on the missed payments, create a new loan to get us out of the ARM we were in and then we would be able to basically start fresh with a new 30 year fixed rate loan. They are still saying that we owe them {$16000.00} in missed payments, when that was added to current new loan balance. They also forced me to be on the title, when I had not been on the original mortgage. On our final paperwork, they had our county wrong as well
Company Response:
State: CO
Zip: 80241
Submitted Via: Web
Date Sent: 2015-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My lender kept opening an escrow account for the taxes they said I did n't pay. I got receipts of all my taxes that I paid and yet they are forcing me to pay towards an escrow while they take their time in resolving this issue. By the way this is the second time they are doing this to me. Next month I am force to pay an additional {$270.00} towards an escrow they said I owe? I called and fax all my proof of receipt and they did acknowledge that they got it but still wont resolve this issue.Please help
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2015-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-19
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Ocwen Loan Servicing , LLC failed to respond completely to a QWR composed XXXX/XXXX/XXXX. Ocwen did notify me that an extension would be needed to adequately respond to requests for production & answer questions. However, their Research Department sent the final/ incomplete response prior to the extension deadline of XXXX/XXXX/XXXX. A follow-up to the initial QWR ( QWR # 2 ) was sent from me to Ocwen on XXXX/XXXX/XXXX explaining that their response was unsatisfactory/incomplete and that it was my hope that a complete Response would be sent to me by the deadline of XXXX/XXXX/XXXX. This did not happen. Instead, Ocwen has sent duplicate packets of incomplete information hoping that they will suffice. In an effort to avoid sending an extremely long & complicated QWR that may be construed by Ocwen as being overbroad, I have sent XXXX additional QWRs to Ocwen ( # 3 and # 4 ) XXXX dated XXXX/XXXX/XXXX. QWR # 3 was composed to reply to Ocwen 's Response letter & ask additional Servicer-related questions. QWR # 4 was composed to record an inventory of the information that has been sent by Ocwen thus far & to explain which requests for production & answers remain outstanding. My mortgage was never registered with MERS ; so, all transfers of title should be recorded with XXXX XXXX, Colorado. According to the information made available to me by Ocwen, documents produced by XXXX XXXX XXXX XXXX formerly XXXX XXXX, & documents recorded with XXXX XXXX, Colorado, there had been no transfers of title since the inception of my mortgage with XXXX XXXX Mortgage XXXX ( XXXX/XXXX/XXXX ) until, coincidentally, XXXX XXXX, XXXX. Since XXXX XXXX filed for Chapter XXXX Bankruptcy XXXX/XXXX/XXXX, XXXX would think that at least XXXX transfer of title would need to have taken place prior to, on, or about that date, but that is not the case. Using this publicly recorded data, it is my claim that Ocwen has, as a knee-jerk reaction to my inquiries, fabricated a " XXXX XXXX of Deed of Trust ''. Additionally, Ocwen has filed this fabrication with XXXX XXXX, Colorado as of XXXX/XXXX/XXXX. In short, it seems as if my mortgage loan has not been funded since XXXX XXXX, XXXX. A XXXX/XXXX/XXXX HAMP modification agreement names no investor or lender ( only HomEq as the Servicer ). Per my original mortgage contract, I am obligated to defend generally the title to the property against all claims and demands. I believe the " Assignment '' filed by Ocwen maliciously slanders my title ; thus, after speaking with the Recorder 's office was given permission to file a Notice of Defective Title with XXXX XXXX, Colorado. Per discovery thus far, I do not believe Ocwen, as purported Attorney-in-Fact for XXXX XXXX, has standing to be considered a party to my mortgage contract. However, I will abide by my contractual agreement by not initiating or joining any judicial action regarding a breach of any provision of the security instruments by the other party until I have served Ocwen with a formal Grievance and allowed Ocwen the lawful time period in which to respond. As an aside to the title matter, after having had time to compare & contrast documentation regarding my mortgage loan transaction from Ocwen and XXXX XXXX, there are blatant Truth in Lending violations that do not necessitate forensics to understand. As XXXX dive deeper into this investigative process, in retrospect, it is clear to see that I was a victim of predatory loan practices, appraisal fraud, & put on a dual-track modification path. I will be outlining all of these items in more detail in a formal Grievance after I receive Ocwen 's Response to my latest QWRs. I will update the CFPB accordingly. I appreciate you consideration & thank you for the opportunity to relate this information to a third party. Please feel free to contact me for further questions or concerns. Respectfully, XXXX XXXX ( XXXX XXXX XXXX
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage lender is claiming I owe considerably more than I believe I actually owe. They can not document the additional charges they claim I owe. I do owe something, but they are grossly overstating the amount. The spreadsheet they provide to document the amount ( s ) due has an arrearage column that makes no sense. Additionally on numerous occasions, I have requested the lender to send me copies of the original loan documents with my signature and my husband 's signature to verify amounts due. They can not produce these documents.
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2015-12-17
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No