Date Received: 2015-12-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: 1. Ocwen misrepresented my foreclosure date to me. An Ocwen representative named XXXX XXXX, ID # XXXX told me my house was going to be auctioned off on XX/XX/XXXX. This is incorrect. The court in the foreclosure action set my law day, the foreclosure date under Connecticut law, on XXXX XXXX, XXXX. Ocwen 's attorneys have not asked the court to reschedule it for XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I will have already lost my house. Ocwen is giving me inaccurate information about the foreclosure process, which is confusing to me and, if I had n't checked with someone else, would have resulted in me losing my house. 2. Ocwen refused to consider my Social Security XXXX Income in its loan modification review, unlawfully discriminating against me on the basis of XXXX. We submitted a loan modification application to Ocwen, which it acknowledged was complete on XXXX XXXX, XXXX. I included proof of receipt of Social Security XXXX Income of {$1800.00} per month. In a denial letter dated XXXX XXXX, XXXX, Ocwen stated that my verified income was " {$0.00} ''. Ocwen refused to consider my XXXX income. An Ocwen representative later told me that XXXX income was not accepted. This is wrong and discriminatory. Ocwen must use my XXXX income in evaluating us for a loan modification. 3. Ocwen told me in XXXX XXXX that it would re-review me for a loan modification because it had failed to include my husband 's employment income. Ocwen has not done so and is pushing forward with the foreclosure against me. I spoke to XXXX on XXXX XXXX, and she acknowledged that Ocwen had not used my husband 's employment income in reviewing us for a loan modification, even though I had submitted proof and it had agreed to do so. Ocwen had further failed to use my social security XXXX income. XXXX said that she would resubmit the documents to the underwriter because Ocwen had made a mistake and we would receive a decision soon. Ocwen has not gotten back to me. When I call, I am not able to get an answer about what 's going on with the loan modification review. We have sufficient income to support a loan modification, but we need Ocwen to accurately review our documents and count all of our eligible income.
Company Response:
State: CT
Zip: 06051
Submitted Via: Web
Date Sent: 2015-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Every year around this time, Ocwen ca n't seem to get me my mortgage bill. Even after ( XXXX ) additional request for them to mail me another bill. On XX/XX/XXXX, I still had not received my mortgage bill ( due XX/XX/XXXX ) so I called Ocwen and requested another bill be mailed to me. On XX/XX/XXXX, I still had not received a mortgage bill so I called Ocwen again to request a XXXX bill be mailed to me. On the phone, I was also given the option to mail payment in with last months bill stub and I did exactly that. On XX/XX/XXXX, I received a bill that was printed on XX/XX/XXXX, 3 days after my original request. # Days to print another bill and 17 days in the mail? Still no original bill from Ocwen and I know that they will not process my check til after XX/XX/XXXX with a late fee. What a scam. I have perfect payment history and credit with all. How can this only happen with Ocwen every year. I refuse to give them my credit card or banking info so this is what they do. It is not fair and I feel that there is nothing that I can do about it. You ca n't even pick mortgage companies, they pick you!
Company Response:
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2015-12-16
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-16
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen has a Hamp that was submitted by a Housing Counselor since XX/XX/XXXX. Homeowner was approved for a Trial Mod and due to XXXX and XXXX She did not make her 1st payment but Funds were paid by the 3rd trial due date and returned to the Housing Retention Program. Since approved trial modification the homeowners income improved with XXXX and Contribution. The lender not only has not made a decision, they have just recently asked for a new packet for it being outdated, I submitted on XXXX/XXXX/XXXX. I have asked for status updates and they have asked for a XXXX page that included her Name, Phone number, Social and if her intention is to keep or sell the property, information they have had on file since a minimum of XX/XX/XXXX. The ongoing strain of the homeowner health and the thought that she may loose the home she has lived in since XX/XX/XXXX is causing a decline in her health.
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2015-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-16
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have a foreclosure on a property that I no longer own and have n't owned since XXXX XXXX, 2009. There is a company who is continuing to report on my credit report and continue to attempt to collect over XXXX for a loan that they say they purchased from XXXX XXXX XXXX. However, since it was originally part of a bankruptcy they also acknowledge that they 're is no debt thats owed.
Company Response:
State: FL
Zip: 34109
Submitted Via: Web
Date Sent: 2015-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-16
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Consumer Complaint: Ocwen provided false and or conflicting information regarding the status of an alleged loan to your office on XXXX XXXX, 2015 in response to a complaint submitted to your office. Ocwen claimed that the loan had been placed on " HOLD '' but in my complaint to your office there was evidence that Ocwen communicated to me that the foreclosure had not been initiated, perhaps because they rescinded the foreclosure because of all the defects in the original foreclosure. These XXXX statuses are completely different and Ocwen failed to respond to the delinquent letter that it mailed out. On XXXX XXXX, 2015 I received yet another delinquency notice from Ocwen making a second claim that the first step in the foreclosure process, the first legal filing, has not yet been completed, but yet Ocwen is claiming to your office that the foreclosure is on hold. Also unaddressed in my last complaint was Ocwen 's counsel 's threats to have me and my wife imprisoned for filing an FDCPA suit in Federal Court.
Company Response:
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2015-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-16
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Around early XXXX XXXX, I applied for a loan modification with my present loan servicer XXXX XXXX XXXX. After I applied for a loan modification, my loan was then transferred to a new servicer Ocwen Loan servicing around late XXXX XXXX. It was explained to me by XXXX XXXX XXXX that my loan modification would pick up where it left off with Ocwen Loan servicing. In XXXX XXXX, and XXXX XXXX I contacted Ocwen to request a loan modification because I never heard anything else about the loan modification that I originally applied for through XXXX XXXX XXXX. On XXXX XXXX, XXXX Ocwen sold my home and confirmed the sale around middle of XXXX XXXX, after several attempts of communication made with them concerning a loan modification. On XXXX XXXX, XXXX, I contacted XXXX, XXXX XXXX XXXX trying to prevent losing my home. XXXX XXXX XXXX escalated my case and it was determined by the escalation specialist XXXX XXXX Agent # XXXX, that Ocwen did not establish proper solicitation or right party contact and asked Ocwen to rescind the sale but they did not. Ocwen Loan Servicing claimed they sent out my solicitation letter in XXXX XXXX, and the trial modification approval on XXXX XXXX, XXXX, to an address my previous property ( XXXX XXXX XXXX, XXXX, OK XXXX ) that they had already foreclosed on back in XXXX, more than 4 years prior. In XXXX XXXX, Ocwen denied my loan modification because I did n't return my RMA that I never received or knew anything about to return because they sent it to the wrong address intentionally deceiving me and setting my loan modification up for failure. Its very hard to believe that Ocwen did n't know that I was at my new address ( XXXX XXXX XXXX XXXX, Oklahoma XXXX, OK XXXX, for years or even outrageously disregarded my address for over 4 years. Although, they sent me my servicing letter to the current correct address and also all of my previous information from XXXX XXXX XXXX had my current address of XXXX XXXX XXXX XXXX before it was transferred. I ultimately lost my home and had to relocate and pay relocation expenses and it caused severe emotional distress. Ocwen Loan Servicing intentionally set my loan modification up for failure and has committed fraud.
Company Response:
State: OK
Zip: 73112
Submitted Via: Web
Date Sent: 2015-12-16
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: A XXXX XXXX purchased a property located at XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX. The owners could not pay for this property so they requested a short sale. The servicer or investor, Ocwen Loan Servicing hired XXXX XXXX in XXXX XXXX # XXXX, XXXX name is XXXX XXXX. He stated that he was the realtor for this property since XXXX and had multiple offers of this property. He stated that he had contacted Ocwen Loan Servicing multiple times regarding the offers, the vandalism and squatters on the property. He said that he had to secure this home and call the police department multiple times but Ocwen did not do anything about it. Since XXXX, we and the neighbors have witnessed the neighborhood kids breaking into this home and vandalizing it. I understand that these young adults were doing damage to the walls, stealing the electrical wire and copper pipes inside to sell. These young adults were jumping over the wooden fence, bordering our property, causing damage to it creating it to fall over. We then had to replace the fence with a block wall which costed us around ten thousand dollars. Then, they cut the back fence so they could go back and forth. The pool is drained with trash and XXXX spots on the plaster. This is a liability for ocwen and the investor because if anyone that enters the back yard and hurts themselves, Ocwen and the investor are responsible. Per law, anyone that gets hurt on this property or falls into this pool, the owners are responsible! Then, vagrants started to live at this residence and was stealing power and water from our home. These people stoled our lawnmower and broke into our BMWs to steal items inside. These vagrants were going to the bathroom on premises and doing drugs inside. We were able to smell XXXX on that premises which means that they needed to have a cigarette lighter or matches to lite the XXXX. This posed a threat to this home and homes in the area. The police were called multiple times other family members. Now, these people are trespassing and the investor and servicer are not doing anything about this on going issue ( due diligence ). Ocwen loan servicing responsibility is to secure and repair the home if needed and to check the property on a regular basis which they have not done as of XXXX XXXX XXXX. On XXXX XXXX XXXX, I called the XXXX XXXX XXXX and XXXX and filed a complaint. On XXXX XXXX XXXX, the city came out to check the property. The city is also going to be contacting Ocwen loan servicing regarding the repairs that are needed. If Ocwen fails to repair these items, they said that they will have there contractors do the repairs and lien this home! On XXXX XXXX XXXX, I called the State of Nevada health department and filed a complaint regarding these issues. Ocwen loan servicing and the investor must be held accountable for failing to do there due diligence. Ocwen and the investor must be held accountable for failing to do there due diligence but not limited to the following ; have fines imposed, be sued for damages. Ocwen loan servicing must be responsible for the repayment of the wall, the items that were stolen on our premises. The media must be informed of what has transpired, so the public can know that Ocwen failed to do there job and failed to do there due diligence.
Company Response:
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2015-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XXXX XXXX, we started getting behind on our mortgage payment due to a change in job status. We contacted Ocwen via mail to let them know we would be getting caught up as soon as possible. We also contacted them via phone. In XXXX, my husband contacted them by phone to discuss how to make the payments to bring the loan up to date because they were n't cashing the checks we had mailed to get everything caught up. Ocwen instructed us to make a payment of XXXX through XXXX as they would not accept regular checks until our account was current. However, when we logged into XXXX, XXXX only allows for XXXX per day to be sent. As a result, we sent XXXX through XXXX and mailed a money order of XXXX to Ocwen. The XXXX payment cleared our checking account and XXXX showed the payment as received by Ocwen. As far as we knew, our mortgage was caught up and we did n't need to make payments again until XXXX. Since it was believed to be caught up, we mailed a regular check payment into Ocwen for XXXX. On XXXX XXXX, we received a delinquency notice from Ocwen stating that we should pay XXXX in order to bring our loan " current ''. It had one sentence in the notice that said the first filing of foreclosure had been completed. After receiving the notice, I sat down and went through our checking account to find where the payment sent by XXXX had cleared our account as well as any other check payments made to Ocwen in XXXX. Believing there was a mistake in posting the payments to our account, I contacted Ocwen within 3 business days of receiving the delinquency notice to discuss getting the payments posted to our account. After spending most of the day on the phone being bounced around, I was told there was no mistake and Ocwen had declined our payments because the payments were n't sent in a single payment through XXXX. Keep in mind, they instructed us to use XXXX and we have no control over the daily send limit, we simply mailed the remainder of XXXX to Ocwen via money order. While I was on the phone, I told Ocwen that we had the money in our account to pay in full and get everything taken care of. After several hours, I got an attorney 's name out of Ocwen and contacted the attorney to get things straightened out. The attorney representing Ocwen told me that the house went to auction the day before and went back to Ocwen. When I called the listing agent Ocwen said had the house listed, they told me there was no listing or pending listing for the house. BOTH the lawyer and the listing agent instructed me to contact Ocwen to get things straightened out, which I did, but Ocwen would not take payment in full or work things out. They told me it was too late. The only " notice '' of foreclosure that we received was one sentence in a delinquency notice that came in the mail less than 5 days before our house went to auction. No legal documentation or certified mail was delivered either to our current address or the address of the property on this loan. We 've had this loan for years and never been behind before. My husband is a XXXX Vet who has taken a job XXXX in order to get our loans caught up and get us back on track. However, Ocwen has done everything they can to reject payments and be misleading even though they knew we wanted to keep the house. They 've even went as far as to say they have n't received documents that we expressed mailed/ delivery confirmation on. We also have another mortgage through XXXX on a separate property. We got behind on that loan as well. However, the difference was that XXXX was clear in communicating and offered repayment options, open communication, and willingness to help us get our loan current. IT IS NOW CURRENT. Our loan with Ocwen would be as well if they had communicated with us.
Company Response:
State: AL
Zip: 35613
Submitted Via: Web
Date Sent: 2015-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-16
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Consumer Complaint: XXXX XXXX XXXX, XXXX, as Indenture Trustee for the Registered Noteholders of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) was to provide notice of assignment within thirty ( 30 ) days of alleged acquisition of my note and mortgage in XXXX XXXX. But, never did such. My lender, XXXX XXXX XXXX, went out of business and shuttered its doors in XXXX. Yet, 3 years later Ocwen Loan Servicing , LLC ( " Ocwen '' ), modified my mortgage in XXXX XXXX and used a robo-signer to endorse the modification agreement. Then, 7 months after modification, Ocwen, with the assistance of MERS, prepared an Assignment in XXXX XXXX from XXXX Mortgage to XXXX. Thus, in XXXX XXXX no lender could have authorized Ocwen to continue to accept mortgage payments, better yet modify my loan and mortgage. Further, it was impossible for XXXX XXXX to authorize any real property transfers in XXXX XXXX since it had closed 3 years prior. Also, the Assignment that Ocwen prepared was for a transfer from XXXX Mortgage to XXXX. However, an endorsement is affixed to an Allonge wherein my loan transferred from XXXX Mortgage to XXXX XXXX, so my loan could not have transferred from XXXX directly to XXXX. Next, the Assignment prepared by Ocwen in XXXX was largely executed by robo-signers : XXXX XXXX, XXXX XXXX, and notary XXXX XXXX. Last, the Assignment is executed by MERS in its individual capacity ( by an Ocwen employee ) and not as a nominee for any party. But, MERS was never my lender and thus not the party to transfer my mortgage from itself to any other party. Consequently, there was no valid assignment of my loan and mortgage from XXXX XXXX prior to its closure in XXXX and Ocwen has clouded my title with its illicit conduct. Despite the fact that XXXX has not obtained the legal right to foreclose my mortgage, in XXXX it commenced a foreclosure action based on the above described fraudulent activity.
Company Response:
State: FL
Zip: 33328
Submitted Via: Web
Date Sent: 2015-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-17
Issue: Settlement process and costs
Subissue:
Consumer Complaint: My husband filed bankruptcy in XX/XX/XXXX. In XX/XX/XXXX, after a very long and difficult period working with XXXX, we modified our mortgage under the HAMP plan. Please note, that I was the primary borrower on our mortgage but had NOT filed bankruptcy. We also a XXXX mortgage with Ocwen, who refused to work with us on a modification on our XXXX mortgage. Ocwen advised that they could not speak with my husband regarding the bankrupsty, however, as I had stated to them on numerous phone calls, I was not part of the bankrupsty so they should be able to converse with me, but refused. When asked how we could settle approximately one year later, they said the load was written off, however, we never received a lien release, but went by their word. Ocwen purchased the first mortgage from XXXX and then shortly shortly after, sold the mortgage to XXXX. We have been making payments faithfully for over two years with Ocwen and XXXX, but now that we are only with XXXX and due to the modification agreement after five year, which will be in XX/XX/XXXX interest will adjust, so we went to one of our C.U to refinance our mortgage ( and we were approved ) and that is when trouble again begain as the title searched turned up the second mortgage lein. My husband tried to call the Ocwen immediately, but was told that a lein research release takes a minimum of 6 months and can only be done via fax. This is totally unexpectable and as faithful consumer, we have worked diligently to keep our credit rating in good standing, only to once again, be help back by the big banking industry. We have been dealing with this type of treatment for approximately 10 years, starting with XXXX and would really appreciate some relief when we work so hard to follow all the rules that the banking industry has established, however, only to be repeatedly abused by these big corporation. This is no doubt Unfair, deceptive and abuses acts and practices two fold. Thank you for any advice and or guidance you can provide..
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2015-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes