Date Received: 2015-12-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX XXXX, 2013 Ocwen Loan Servicing , LLC took over managing my loan accounts on the property I own on XXXX Texas XXXX. Since that time they 've been claiming I either did n't make my mortgage payments or I 've been late paying them by one, two or even three months, this have been going on ever since they took over my loan accounts till now, so not only they 've been reporting to all credit reporting companies I 've been late in payment which has resulted in damaging my credit also I.ve been charged additional interest on my loans, because even they receive my payment checks they do n't apply them to my accounts and call the payments suspense payments, they 're still doing the same thing even I 've talk to over XXXX people there about this problem nothing has been done about it till now, that 's why I am complaining about this company and hoping you can help me resolve this problem. They even have raised my principal balance on XXXX of my loans by over {$3000.00} that means they 're collecting more interest on my loan. My original loan was {$25000.00} eight years ago now they say my principal balance is {$26000.00} as of today.
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2015-12-07
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Someone by the name of XXXX is calling asking for social security number to collect debt on a property I do not own. They say the name of the company is Ocwen Loan Servicing LLC .
Company Response:
State: OH
Zip: 44111
Submitted Via: Web
Date Sent: 2015-12-07
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: Ocwen mis-applied funds/ did not apply payments mailed to my loan. extra money was mailed to pay down the principle as noted on checks cashed - they were applied to an " unapplied funds " and recently deducted by a forced escrow account. they claim it was because I did n't have insurance which I did - I was billed {$2800.00} yet only given a {$590.00} credit 3 months later XX/XX/XXXX. Since my statements dated XX/XX/XXXX The unapplied funds are not being used to cover an escrow account to pay property taxes to which I pay them yearly. I have asked the funds be replaced and was told no that Ocwen has the overall say in how " unapplied funds '' are distributed. I explained that I pay my taxes yearly- I am told that an account manager will review - to date they continue to take the funds- now sending me deliquent letters that I have unpaid balances on payments - those payments being set aside in a suspense account. I am currently being charged for past due payments and missed payments. certified letters that come in triplet and home inspections fees that when explained is done by an outside company to inspect the home and make sure its not " abandoned '' - when I explained I lived in a gated community and there were camera 's out front as part of my home security- AND I HAD PROOF NO ONE EVER LOOKED AT THE HOUSE OR DROVE BY -the rep contradicted herself by saying it really is just internal and they could not give me proof- I asked for a refund to which she explained that they were not going to refund the money because they are allowed to charge the fee regardless if someone see 's the property or not. I was told to " just pay it '' I get charged a different amount every month. In the past I was charged {$100.00} recently {$13.00} and sometimes {$15.00} - there is nothing in my loan documents. I 've asked for them to mail me a copy specifically noting that they can charged me- I get hung up on EVERY TIME! I 've called and asked their resolution department to contact me - I get no reply. I have asked to speak to managers - I get hung up on. I have cleared payments from the bank and yet every time I call to get it resolved they claim their records are accurate and that I need to mail the money immediately or they had to right to " take my home because the loan documents I signed give them all the rights to my property. On XX/XX/XXXX received a certified letter claiming that I was delinquent pmnts from XX/XX/XXXX-XX/XX/XXXXthat Ocwen had adjusted my monthly pmnt to {$2200.00} from $ XXXXthen a day later another certified letter arrives and that pmnt for that time frame XX/XX/XXXX-XX/XX/XXXX all had an unpaid amount / balance due of {$440.00} - when I called their customer service department I was told an account manager would be handling my account since the last payment made in full was XX/XX/XXXX. I received the same letters monthly - sending out bank statements until XX/XX/XXXX when I received a certified letter explaining that I still had unpaid balances on the missing pmnts - which were late fees.
Company Response:
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2015-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Mortgage lender is not applying payments correctly - they have sent me several letters demaning a past due amount for missed payments - then explaining that my loan was only paid in part - partial payments were received. once those were resolved then another letter would come demanding payment for payments not in full and that my loan was in default and foreclosure- that I had to pay late fees, attorney fees and reinstatement fees
Company Response:
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2015-12-07
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: My mortgage lender keeps " holding '' our monthly payment to apply a late fee. payments sent through the bank or mailed always post between XX/XX/XXXX-XX/XX/XXXX regardless what day the payment was mailed on. Their investigation department took all of 5 minutes to review and determine that the payment was late and imposed the {$110.00} late fee. They continuously call my cell during work hours leave messages on my cell contact my husband every day to make the payment using their automated service- which they charge {$19.00} - I get 3 calls a day beginning on the XXXX of the month.
Company Response:
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2015-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have struggled to keep my home for several years, I have been unable to afford a mortgage payment and was unable to qualify for a reduced payment of my mortgage with a making home affordable modification, my monthly income still suffers. I have decided to short sale my home under the HAFA program. My home suffers from much needed repair, I have been unable to cure the costly repairs needed to my home. A contractor has estimated my homes repair to cost about {$130000.00}. That is the estimate today and it may increase if the acoustic ceilings in my home end up testing positive for asbestos. Not to mention the mold that appears to be growing in the walls of home. My agent submitted a cash offer that was approved under the HAFA program. Unfortunately once that buyer took into account the repairs needed on my home they requested a decrease in their offer far below what Ocwen would consider for approval of a short sale. My agent sent them a XXXX higher offer, an as-is offer and all cash, this was received by Ocwen XXXX/XXXX/2015, my sale date was for XXXX/XXXX/15. This triggered Ocwen to conduct an interior valuation of my home, took them the entire month of XXXX to send an agent, valuable processing time lost. The previous valuation was just exterior and was set at XXXX. The agent from Ocwen came to my home on XXXX as to render a report immediately to Ocwen. I still had a sale date for XXXX, it was urgent that the value be adjusted to what my home is really worth. I still have this sale date looming, and the valuation as completed brought the value in on my home to XXXX. Ocwen is mis-reading this report, they have advised that their value is XXXX, I have a copy of this report, it does not state that amount as an as-is value at all, that was the original list price of my home and it has now been reduced to XXXX due to my repairs. To date Ocwen refuses to admit that they are mis-reading the report and are offering no adjustment to their error, still threatening to foreclose but if they read their report correctly I would have an approval of my short sale. Ocwen can not even show my agent where on their own report it indicates XXXX as an estimate of value.
Company Response:
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2015-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-05
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: This complaint is regarding OCWEN not providing consumer financial relief to borrowers harmed during the foreclosure process. This included my foreclosed GMAC mortgage loan ( under XXXX and then XXXX was purchased by OCWEN ) and payments to borrowers as a result of the National Mortgage Settlement Act about foreclosure abuses and borrowers who lost their home to foreclosure. I lost my home to foreclosure in XX/XX/XXXX. After the results of the National Mortgage Settlement Act, I submitted the initial notification document with the Virginia Attorney General office prior to the established deadline while residing in XXXX. I relocated back to XXXX in XX/XX/XXXX to XXXX. Under the National Mortgage Settlement Act ( NMSA ), my mortgage loan qualifies for the following reasons:1. Unexpected home repairs2. I was deceived regarding the ability to make the mortgage payment3. I completed a trial loan modification plan4. I was not offered any ways to avoid foreclosure5. I did not receive proper notification of the foreclosure6. robosigning documents without my authorityThe foreclosed address is XXXX. I did not receive any documentation or a settlement check as advertised on the NMSA site. I called the Ocwen office and was informed by XXXX XXXX XXXX ( XXXXXXXXXXXX ), an Ocwen representative that documents were mailed to the XXXX address but I still have not received anything as of right now. I was advised to submit a letter. My first letter was in XXXX then another in XXXX. No response from Ocwen. Ally did not return my calls or provide assistance and I feel that the same thing will occur with Ocwen. I am an XXXX Veteran but did not use my VA loan. I respectfully request assistance in this matter regarding financial relief from Ocwen for mortgage settlement. Thank you.
Company Response:
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2015-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen loan servicing continues to report inaccurate and fraudulent information on my wife and I credit reports with all three credit bureaus. As of XXXX XXXX we agreed to a loan modification, at that time the loan was set to three trial payments, these payments were made on time, which then the loan went into full agreement. Since XXXX XXXX to XXXX XXXX we have made our monthly payments on time yet Ocwen continues to report information of no payments being made to the credit bureaus. Ocwen also has been charging fees sometimes up to XXXX in one day as you can tell from the payment history from Ocwen. Ocwen has not and continues to place our payments into a separate account even when there was a modification present and payments were made on time and Ocwen will still not apply payments the day/month they are received. Attached you will see Ocwens negligence in reporting fraudulently to the credit bureaus and documentation of payment history. As you make notice of Ocwens payment history sheet they are fudging payment dates and dates the payments were applied and the late fees, inspection fees and other non-explained fees are charged fraudulently. We request Ocwen report accurate information on our credit files and credit for all fraudulently charged fee 's. We have also disputed this through XXXX from XXXX Resource Center as XXXX is the note holder of this loan. We have been disputing this information for over 6 months through XXXX with no outcome. We request Ocwen Loan Servicing & XXXX to immediately stop reporting inaccurate and fraudulent information on our credit bureau and immediately send correct information to the credit bureaus and send a letter to every company that declined to offer credit due to Ocwen Loan Servicing & XXXX inaccurate and fraudulent reporting and fraudulently charged fee 's be credited.
Company Response:
State: WA
Zip: 98908
Submitted Via: Web
Date Sent: 2015-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been attempting a Deed in Lieu with Ocwen Loan Servicing for the last 2 years and after completing all of their steps several times, having the house vacated and their third party vendor secure the property and confirmed ; I was notified over the phone that my initial application paperwork has expired. I had previously submitted XXXX more current applications but since their process takes 90 days every time everything keeps expiring without final resolution. In addition, I had worked with my XXXX lien holder, XXXX XXXX to have them settle for a reduced amount so the Deed in Lieu could proceed. After successfully uploading the same approval letter twice and acknowledged receipt by my most recent Relationship manager at Ocwen, XXXX, I was told that they were not aware of the XXXX lien. Lastly, I was notified on Tuesday, XXXX XXXX, 2015 that my loan is being sold to XXXX on XXXX XXXX, 2015 and I would be working with them going forward. I am looking for the CFPB to look into my Deed in Lieu application from the beginning and see that I have complied with everything that was asked of me on multiple occasions only to be lied to, misled and still not have the process completed.
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2015-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In 2015 I became late on my mortgage due to unemployment. I requested a government modification through Ocwen, and was told I was not approved. Ocwen offered an in-house modification. The monthly payment would be lowered by a few dollars, interest would be lowered by 0.3 %, and there would be a {$19000.00} balloon payment at maturation. I turned down the modification because of the balloon clause. My relationship manager pressured me into accepting the modification, and said I would also have a balloon payment if I remained with my regular contract. This was a lie - I obtained my original note, and there is not a balloon clause. I rejected the modification, which took a long time and many calls/emails to accomplish. Since then, I made payments to become current : {$600.00} on XXXX/XXXX/15, {$590.00} on XXXX/XXXX/15, and {$1300.00} on XXXX/XXXX/2015. None of these payments were applied to my past due balance. {$600.00} has been in suspense for over a month. XXXX agent said I had over {$1100.00} in suspense. Other agents and a supervisor said I have {$600.00} in suspense. I am not sure how much is in suspense. Because the suspense funds were not applied, I became 4 months late on XXXX/XXXX/2015, and was told that the {$1300.00} payment would be rejected and mailed back to me, and that I owed an additional {$570.00} in addition to the {$1300.00}. I have called and emailed many times to request that the suspense funds and the {$1300.00} payment be applied, but Ocwen will not apply them. The {$1300.00} is not showing up anywhere - not on my account or in suspense, despite the fact that I have verification that these funds arrived to Ocwen on XXXX/XXXX/15. The biggest problem is that I can not get a clear answer from Ocwen. They do not respond to email. By phone, some agents and supervisors say that the funds remain in suspense due to a system glitch, and will be applied soon. Other agents wo n't clearly answer my questions. XXXX agent said it was my fault the funds remain in suspense, and that these funds were to be applied to principal, and not the late balance. Every time I call I get a completely different answer. It is impossible to obtain honest and accurate information. Last night I tried to pay an additional {$570.00} online via XXXX, but received a message saying this was the incorrect amount, and to contact Ocwen customer service. XXXX would not allow me to submit a payment. I am not able to make a payment by phone, on the Ocwen website, or via XXXX. I am being charged late fees, certified mail fees, fees for photographing the house, and have received negative credit reporting. I have given everything I have in my bank account to Ocwen this month to try to become current, however they refuse to apply any of these funds to my past due payments, and I am afraid they will begin the foreclosure process.
Company Response:
State: OH
Zip: 43224
Submitted Via: Web
Date Sent: 2015-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes