Date Received: 2015-12-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am delinquent with my home mortgage and have a foreclosure sale date scheduled on XXXX/XXXX/15. My mortgage company is Ocwen and they are reviewing me for a loan modification. I need help getting the sale date postponed to give more time for the review. Any assistance you can provide is appreciated, thank you.
Company Response:
State: CA
Zip: 90807
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 modification,collection,foreclosure
Subissue:
Consumer Complaint: Please see the attached. I believe my Client has not been treated fairly, and is now facing a Sheriff Sale in 3 weeks after years of trying to do the right thing and sell his property. We nee d these Mortgage Companies to be held accountable.
Company Response:
State: OH
Zip: 44060
Submitted Via: Web
Date Sent: 2015-12-04
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage company sold my mortgage but failed to make the required tax and flood insurance payment as required by law. My taxes are late and interest is being charged and my flood insurance has lapsed. This is especially distressing as a XXXX victim. I currently am not covered for flood and only found this out because I received a late notice from my municipality regarding my taxes.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2015-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-03
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: this is our offer from ocwen loan co. for a trial modification. our interest rate goes from 5 % to a bit over 2 %. our payments were XXXX a month, 4 yrs. ago when we first started begging for help.now they will go to XXXX a month with our principle balance going from XXXX to XXXX and at then end of term our balloon payment will be XXXX so i ask you do we lose our home now or do we lose our home when we are old and cant even work probably. if i sign this so called agreement with ocwen does it forfeit my rights to sue them? and if i enter into this agreement with them so we dont lose our home does it make all the wrong things they have done, like just this yr. signing off on our paperwork at the XXXX co recorders office, be ok? if we sign the agreement to keep our home are we losing our rights to sue this co?
Company Response:
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2015-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-03
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Hello, my name is XXXX XXXX. I 've been trying to get a loan modification from Ocwen Loan Servicing since XX/XX/XXXX. They told me that they can give me a modification but the amount they give me was more than the amount I could not pay from the beginning. I need help to get this company to work with me and give me a reasonable loan modification payment that I can afford. How much longer will they play this game? I understand that im delinquent but they are not helping me to get a loan mod that I can afford. I have now foreclosure sale date XX/XX/XXXX and am scared that I will lose my home and not get a chance to get approved for a loan mod that I can afford.
Company Response:
State: CA
Zip: 95610
Submitted Via: Web
Date Sent: 2015-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX Mortgage that has been discharged and the other from XXXX a division of XXXX XXXX Bank and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.
Company Response:
State: MA
Zip: 02703
Submitted Via: Web
Date Sent: 2015-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX that has been discharged and the other from XXXX a division of XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.
Company Response:
State: MA
Zip: 02703
Submitted Via: Web
Date Sent: 2015-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Financial Services not following through on agreement to call and resolve my homeowner insurance situation with their " monitored insurance claim '' process. Ocwen promised me a call within 24 hours on Friday XXXX XXXX, 2015. I was told I would receive a call by the stateside team to address my situation. I have not received that call or any follow-up from Ocwen related to my calls that Friday. It is worth pointing out Ocwen has XXXX % of their staff and call center work in XXXX. Those staff are not XXXX, do n't understand the U.S. and basically read off a pre-scripted sheet. They are the only way to contact Ocwen currently. The only other way I 've found is to contact the CFPB for help. It was during that XXXX XXXX XXXX call center call I was appraised of the insurance release monitoring process they would implement. The problem is I already selected the contractor and had the work done to replace the roof and was not told of this until after! Their process was given to me after the roof completion and is not workable given what has already occurred. Ocwen told me I would receive a call within 24 hours to work out the situation. That did not occur. Beyond talking to XXXX, there is no way to communicate with Ocwen. I had submitted questions via their website months ago about another situation with no response to date. Try to contact them without using the cushy channel they 've set up to pretend the are working with consumers on financial matters in good faith. Please try so you can see what likely many are experiencing. Very difficult to interact with Ocwen and time marches on while the roofing contractor has completed the work and is waiting to be paid. Why no call from the stateside team as they told me I 'd receive? Why no email address to interact with Ocwen? I replied to their message ask for information on " Private Repair Guidelines '' as that is relevant for some work in scope. The email bounced as undeliverable. Or do n't contact us, we 'll contact you. Why not interact in good faith and follow-through as they stated with the stateside phone call to resolve given they created the initial error in not informing me of their process which is now unworkable. FYI : Ocwen is not an insurance company and are supposed to be loan servicing company. Apparently my loan was sold to them from a financial institution who said it would n't be sold! That will never happen again. I advise others to beware of and strike out the loan clause which says " Lender shall have the right to hold such insurance proceeds until Lending has had an opportunity to inspect such Property to ensure the work has been completed to the Lender 's satisfaction ''. Ocwen has taken that clause for a ride to include egregious recovery processes and not just a quality inspection.
Company Response:
State: CO
Zip: 80919
Submitted Via: Web
Date Sent: 2015-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I AM ATTEMPTING TO GET MORTGAGE ASSISTANCE BUT MY SERVICER, OCWEN, IS NOT ACTING IN A REASONABLE MANNER. I WAS DENIED FOR ASSISTANCE IN XXXX WHEN OCWEN FALSIFIED THE VALUE AND CLAIMED THAT BECAUSE I HAVE EQUITY, I WAS DENIED FOR ASSISTANCE. I PROVIDED COMPARABLE SALES AND A REAL ESTATE AGENT OPINION WHICH SUPPORTED LOWER VALUE. OCWEN DENIED AGAIN BUT INVITED ME TO RE-SUBMIT AND REQUEST AN APPRAISAL. I DID JUST THAT. OCWEN ALTERNATELY ACKNOWLEDGES AND THEN DENIES THAT THEY HAVE RECEIVED MY PACKAGE. OCWEN PREFERS TO PLAY THESE GAMES TO WEAR OUT DISTRESSED HOMEOWNERS BECAUSE THEY PREFER TO PROFIT FROM FORECLOSURES AND FORECLOSURE FEES.
Company Response:
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2015-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: OCWEN finiacial services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID ( OCD ) My house was foreclosed XXXX XXXX 2015. WHICH I should have enter the six month redemption period. Ocwen has ignored the redemption laws/rules will not allow me to participate in the redemption of my home. THE Customer rep is a call center is from a in XXXX who is reading off his screen. OCWEN does not have a foreclosure departtment. And it 's website is down which prevents anyone to lodging a compliant. The customer rep told me I could not redeem my home period with no reasoning to why not. He then told me to go XXXX a home seller website which does n't list my home. What he told me over the phone originally that the refrence number was a customer care rep of OCWEN instead it was XXXX. I ca n't reach a single person in the company to discuss the matter. I have not received a single letter since the forclosed sale. I 'm only asking that OCWEN allow me my right to redeem my home at fair market value. And to woefully allow me to actively participate in my redeption period. MY LOAN NUMBER IS XXXX.
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2015-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No