Date Received: 2015-12-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX is reporting a foreclosed XXXX mortgage to my credit report with inaccurate dates. They are intentionally leaving this as an open debt to protect me from me from being able to purchase another home. I am unaware of who this company is and lost the property they are referring to in XXXX when I went through a divorce. This is now an unsecured debt. They are erroneously reporting the date of last activity in XXXX. This company has not received any payments from me since XXXX. The account should be in " collections '' instead of an activity account.
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2015-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XXXX, XXXX I requested Ocwen Loan Servicing , LLC the current status of mortgage loan # XXXX that showed as a delinquent on my credit report when I tried to obtain a Home Equity Line of Credit thru various banks. My applications for such credit were denied in part because of such loan ( XXXX ) shows as pending debt. Ocwen responded with a letter dated XXXX/XXXX/XXXX ( see attached ) that this loan was assigned for collection to XXXX XXXX XXXX ( XXXX ) on XXXX, XXXX XXXX. To my surprised I was under the impression that this loan was " Forgiven '' under the proposed modification agreement that I received dated XX/XX/XXXX ( XXXX attached ). In a letter dated XX/XX/XXXX. Ocwen requested documents to show my financial hardship at the time, which I provided that to them ( See attached ). I would like to know is why Ocwen opted to charge off the loan and not forgive it as an option within the newly created Home Affordable Modification Program as stated under " The Mortgage Forgiveness Debt Relief Act and Debt Cancellation for loans modified between XX/XX/XXXX through XX/XX/XXXX. I would like for Ocwen Loan Servicing , LLC to provide me a detailed description on the actions taken on their end that shows the proper practices and regulations were followed and that I was not discriminated and taken advantaged of my little to none knowledge of the complete loan modification that took placed and Its be denied by Ocwen.
Company Response:
State: MA
Zip: 02131
Submitted Via: Web
Date Sent: 2015-12-14
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan servicer Ocwen transferred my account and did n't notify me until XX/XX/XXXX when I placed a call to them inquiring about the XXXX draw on my account from insurance proceeds. Ocwen then informed me my account had been transferred to XXXX XXXX XXXX XXXX ( XXXX ). I was not notified nor was I provided reference number to inquire of the new servicer - XXXX. XXXX states they cant find me by name, property address nor SSN in their system and cant assist me with locating the account or the status of the XXXX draw to complete the work on my property that burned on XX/XX/XXXX. The insurance proceeds and requested claim forms was sent by me to Ocwen Loan servicing LLC on XX/XX/XXXX Priority Mail. Ocwen sent me a draw on the funds - approximately XXXX on XX/XX/XXXX. Work was started on the property XX/XX/XXXX. I notified Ocwen on XX/XX/XXXX that the property was approx 42 % complete and requested another draw. Ocwen responded by sending out an inspector on XX/XX/XXXX who took pictures and stated I could expect a check in 5-10 business days. I called Ocwen on XXXX and was told the account had been sold on XX/XX/XXXX and the remaining insurance funds have been transferred to XXXX. I asked Ocwen Claim Rep and customer service what sense did it make to transfer the account, not notify me but continue conversation about the draw even as late as XXXX - especially since they say a letter was sent on XX/XX/XXXX notifying me of the transfer. During this process on XX/XX/XXXX, I was transferred 6 times put on music hold by XXXX claims reps and XXXX customer NO service persons, told they didnt have the funds and didnt have an account number for me to reference and that I should contact new servicer. Finally after asking customer NO service for new servicer contact number after my 6th hold experience I was given a number for the new servicer. On XX/XX/XXXX CLAR customer no service states no record of the account could be found. On XX/XX/XXXX XXXX customer service and claims dept says no record can be found. The XXXX customer service rep did give me a number for the claims dept. In my multiple calls with both Ocwen and XXXX I have communicated that I have contractors onsite and they need to be paid. No one knows where my account is at this point - nor the funds from the insurance claims. I need the funds to complete the renovations and put property back in a repaired state. I do not want the property just sitting half finished and invite vandalism since the property can not be occupied in its current state.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2015-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX XXXX, 2015 my mortgage payment was changed to the proper amount of {$780.00}. It was correct for the months of XXXX and XXXX. I went online yesterday to pay and it is back to {$1100.00}. Ocwen sent me a hard copy which shows {$780.00} due ( hard copy attached ), but the computer shows {$1100.00}. I called and was told I had to pay the {$1100.00} since the computer said that was due or I would be in default. I asked to pay the {$780.00} over the phone and was told that I would still be in default AND I would have to pay an additional {$19.00} use this service. I am so completely frustrated at this point. I do not understand why this is so difficult and why my payment keeps changing. They are saying they will " research it. '' Every time they " research '' nothing gets done. This has been an ongoing issue for 8 months! The other issue I am having is no one can tell me what the {$1500.00} " escrow account adjustment '' is for. It was taken out of my escrow on XXXX/XXXX/15 which is the day the modification went through. I do not see where it was posted to my new escrow so as of now I am missing {$1500.00}. They keep sending me letters which do not tell me anything or show me where the money went ( attached ). If I can see where you adjusted the money out of my account, why ca n't I see where you applied the money to my new escrow? It does n't add up since Ocwen charged me $ XXXX in escrow to make up for a " shortage '' which I never had. Ocwen has collected monthly for my taxes since day XXXX ( before this modification ) and I have never been short. I want visual proof of where that money was applied, not someone 's word that it was. I would also like to know what the " legal filing service '' charges on XXXX/XXXX/15 are for ( there are XXXX of them ). No one at any time advised I would have any filing fees. My understanding of an escrow account is that it is unlawful to use my escrow for anything other than taxes ( and insurance if applicable-but I pay it and they do not ).
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2015-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: This is the XXXX complaint I filed against Ocwen ( first is Case number : XXXX which their response is in dispute ]. On XXXX/XXXX/15 @ XXXX, rec 'd a call from XXXX XXXX XXXX, Relationship Mgr.He stated docs were rec 'd but they were missing the confirmation for my food stamps.Expl that I just rec 'd a new XXXX & would be happy to send it to him & he said ok.He asked if I could fax it but I told him the prob I had last week trying to fax them & constantly got busy signals.He then asked me if I had a smart phone to which I told him no.Told him that I could email it to him but could n't do it until Wed the XXXX to which he said ok.He then asked me to hold on while he reviewed the docs and when he came back it was with a very hostile attitude ( which can be attested to by both my wife and daughter since he was on speaker phone ) .At that point he stated the I did n't have to send the document in due to the property being foreclosed on already on that date XXXX.Asked him numerous times what he meant and got the same response " it was foreclosed on today and that I did n't have to bother sending in the document '' .He gave me a phone number stating it was a real estate something or other ( could n't understand him due to language barrier ) .Upon Researching the # it comes up being attached to Real Estate Places, XXXX cust serv, not valid area code, invalid #, debt collector, loans, getting cc int rate lower, calls & hangs up etc.That was the end of the convo. They violated every PA Foreclosure Law i.e. not supplying us with an XXXX Notice giving us 30 days to pay arrearages, get consumer credit help ( they ca n't foreclose on property until supplying that notice per the attornies we spoke to ), They never went through the court system in PA to file foreclosure papers, and that had to be done in order to be served by the Sheriff 's Dept ( which they would have it on file and they do n't ), giving us a min of 30 days before ruling and 30 days prior to sale, they never sent anything registered or certified mail which they 're suppose to. We checked with the Sheriff 's Dept today XXXX XXXX this matter and they have absolutely nothing on record about the property being foreclosed on yesterday XXXX nor do they even have on record the supposed foreclosure date of XXXX that was stopped due to submitting loan mod papers and nor do they have anything on record of any foreclosure dates for the last 6 months, Foreclosures are also to be advertised in the newspaper after filing with the courts/Sheriff 's Dept and that was n't done either ( 30 days - XXXX consecutive Fridays ) .The attornies we spoke to all said that in order for Ocwen to foreclose, THEY MUST supply us with an XXXX notice ( giving us 30 days to either pay arrearages or get consumer credit help ) and they can not foreclose unless that is done and we also have to supply the attorney with it so the attorney can proceed.Ocwen does things the way they want to even if it means not doing it the legal way. Another note, yesterday XXXX, their website state that my prop was " real estate owned '' and today XXXX it states that my acct is delinquent and I should contact the Home Retention Dept for Help and ckg my Loan Mod status, both days stated that I need to " send in your documents '', Also stated that I would be receiving a letter telling which docs were missing ( still waiting ) .And the reason mortgage payments were missed was due to the fact that when we filed for loan modifications ( total of XXXX times ) over a period of 4 years, they REFUSE to take your regular monthly pmts while the docs are being reviewed. XXXX time it took 2 mths to get a response, another was 6 mths. It 's unfortunate that you ca n't speak to anybody in the United States because their customer service is based in XXXX.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2015-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: OCWEN Loan Servicing took over my mortgage and the interest rate on XXXX house is 10 % and interest on the other house is 7.9 % I asked, called and wrote a letter asking them to lower interest rate. They will not do it. I do not qualify for a loan re-financing because I am unemployed and poverty level. I do have school loans which are also considered for the rejection of the re-financing.
Company Response:
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2015-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We received our county school tax bill in beginning of XXXX 2015 and immediately mailed it to our mortgage loan company, Ocwen Loan Servicing, on XXXX/XXXX/15. We followed up with repeated phone calls to insure Ocwen received this tax bill and would be paying it at the discount value. During a call on XXXX, we were informed Ocwen had still not received the bill, so we were instructed to email it to the tax department, which we did. On XXXX, Ocwen customer service representative XXXX told us that our bill was paid at discount value of {$3700.00} on XXXX. Therefore, we thought this issue was resolved until we received a letter from county tax collector on XXXX stating that our school tax payment had not been received. That same day we immediately called Ocwen and learned the XXXX payment had been mailed to the wrong address and was returned uncashed to Ocwen on XXXX. In running an escrow disbursements report on Ocwen 's online portal we discovered that another payment was issued from our escrow account at tax bill face value {$3800.00} on XXXX. The report then showed this payment credited back to our escrow account on XXXX. During the XXXX call to Ocwen, we were told a third check would be issued at penalty value {$4200.00} and that Ocwen would absorb all penalty fees. During this call with Ocwen customer service, we relayed the correct mailing address and payable party from our copy of the tax bill that was sent to Ocwen XXXX XXXX in XXXX 2015. On XXXX XXXX tax collector had still not received our tax payment, so we called Ocwen and spoke to customer service representative XXXX, who told us a new tax payment was dispersed on XXXX and to allow extra mailing time due to the XXXX holiday. On XXXX XXXX tax collector had still not received our tax payment ; she asked that Ocwen call her directly. On XXXX at XXXX we spoke with Ocwen escalation manager named XXXX ( agent ID XXXX ) who said she would look into our situation and call back- she said she could not call our tax collector because she did n't have enough information to do so. At XXXX that same day, XXXX called back and said she tracked the tax checked mailed XXXX and it was en route back to Ocwen because it was mailed to the wrong address again. We again relayed correct mailing address and payable party from our copy of the tax bill that was sent to Ocwen XXXX XXXX in XXXX 2015. XXXX said she 'd have the tax dept reissue the check tocorrect address and have it sent via overnight. On XXXX at XXXX we left a voicemail for XXXX to find out status of tax payment ; she called us back at XXXX and left a voice mail to call her back, which we did that same day at XXXX. Today is XXXX ; we have called XXXX and left messages. We have called Ocwen customer service asking to be transferred to the escalation dept but was told that depts phone lines were down. Today we ran an escrow disbursements report on the Ocwen online portal and funds have not been credited back to our escrow account for the XXXX tax check mailed to the wrong address. There is also no evidence that a new check has been reissued or mailed overnight. XXXX XXXX tax collector confirmed today that she has not received our tax payment. If she does not received our tax payment check this week, funds will need to be guaranteed funds- cahiers check, money order, cash. Our tax payment must be received XXXX XXXX tax collector by XXXX XXXX, 2015 ; otherwise the case goes to tax claim agency. Our loan has been at Ocwen Loan Servicing since XXXX 2015 and has been greatly mismanaged. In addition to this tax issue, our hazard insurance was paid 9 months before it was due because Ocwen did not have paperwork filed properly. It 's very difficult to get someone on the phone at Ocwen that can help with any situation because one dept has no idea what other depts are doing.
Company Response:
State: PA
Zip: 17402
Submitted Via: Web
Date Sent: 2015-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I purchased my property through a sheriff sale on XXXX XXXX, 2015 in XXXX XXXX, CA. Cashier 's check was provided to the sheriff 's office for all the outstanding liens and obligations. The sheriff recorded and transferred the property to me on XXXX XXXX, 2015. Around XXXX XXXX, 2015, I received a notice of default from Ocwen Loan Servicing , LLC . The notice informed me of Ocwen 's intention to proceed with the foreclosure of the property. It took 2 months of me trying to establish communication with Ocwen and {$35000.00} in legal fees to finally realize the basis for their claim. Ocwen argued that they had not received payments. The original loan amount paid off by the sheriff 's office to Ocwen was {$250000.00}. Ocwen was now demanding and additional {$44000.00} to stop the foreclosure. Upon subpoena of sheriff 's record, it was found that the payment for the exact amount of loan was mailed out to the address provided by Ocwen promptly after the completion of the sale. Ocwen refused cooperation and the investigation into what happened with the check. Furthermore, Ocwen tried to quash the subpoena for their internal records to clarify the mystery of the lost check. In a court appearance on XXXX XXXX, 2015, the judge 's interim decision was that Ocwen needed to stop the foreclosure proceeding, fill out and sign under oath, a statement indicating that they had not received the check. This statement needed to be forwarded to the sheriff 's office before another check could be reissued. Ocwen did not forward the signed letter to sheriff 's office until XXXX XXXX, 2015. After 6 months of deliberate delays by Ocwen, now that they have the reissued check, they are asking us to pay an additional {$13000.00}. or face foreclosure. The attorney for Ocwen knows that challenging their outrageous demand, will cost the consumer much more in legal fees. Therefore, the helpless consumer will most probably choose to pay the unjust fees than to go through a costly legal battle and/or face foreclosure. Ocwen has created a cloud on my title. Ocwen 's lack of cooperation, excessive and deliberate delays, as well as their reluctance to resolve this matter is due to their policy of adding up costs and fees for the consumer. They do not conduct their business in an ethical and honest manner.
Company Response:
State: CA
Zip: 90274
Submitted Via: Web
Date Sent: 2015-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: CIT Bank transferred Loan # XXXX but I do not Know to whom it went toI have not Received any information .Who is the New Servicer? Was ONEWEST Servicer? Was CIT Bank N.A. Servicer? What was Transferred? How Much was Transferred? What Type of Loan was this? I have Reached out to ONEWEST Bank and they have Refused to answer.
Company Response:
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2015-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage loan at Ocwen, was paid off on XXXX XXXX, 2015 through a title company at settlement. On XXXX XXXX, 2015, Ocwen took my normal monthly mortgage payment from my bank account ( even though it was paid off from the day before at settlement ). On XXXX XXXX, 2015 Ocwen sold off the mortgage to XXXX I am looking for a reimbursement of my mortgage payment from XXXX XXXX, 2015 as well as the overage from the loan payoff. Ocwen can not talk to me because the " Sold '' the loan ( even though it was paid off before they " sold '' it ). XXXX has no record of the payoff/overpayment because their system will not be updated for 3-4 weeks. All in all, I have no way of " stopping '' my auto deduct with the new company because I can not access my new account information and I have no one who can help me recover the extra loan payment taken as well as any overpayment of the " Payoff ''. I am in need of a refund, ASAP.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2015-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No