Date Received: 2015-11-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have a foreclosure sale date of Tuesday XXXX XXXX, 2015. I have submitted a complete loan modification application to my lender Ocwen Loan Servicing , LLC 12 times between XXXX XXXX, 2015 and XXXX XXXX, 2015. My initial submission this time was through XXXX back on XXXX XXXX, 2015. Ocwen contacted me to notify me that XXXX documents were missing and I have provided those missing documents. Ocwen has verbally acknowledged receiving a complete file from me but has not made any efforts to stop the foreclosure sale ( according to the customer service representative I spoke with twice ). They require 30 days to review my application for an affordable loan modification. I was told that they require a complete file more than 7 business days before the sale date and I have met that requirement. I have had a significant loss in my income but have gained permanent employment for 1 year now and desperately want to keep my home so that my family and I will not become homeless. My request is for assistance with obtaining a written notification of the postponement of my pending foreclosure sale date of Tuesday XXXX XXXX, 2015. Also, my request is for assistance with Ocwen providing me with an affordable loan modification so that I may keep my home because that is my desire. I will attach a copy of the file I submitted to Ocwen 12 times within 5 days. Thank you for your time and any assistance you can provide.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-22
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I purchased a flood insurance, not required by my mortgage company. I had a flood and got a check for {$32.00} in XXXX. I have been stonewalled by my mortgage company ever since and have not been able to cash the check. I rebuild my house as a owner/constructor and should be able to fix the damage myself. I have all documents to prove that I was my own construction company. The mortgage company will not respond to any of my correspondence XXXX XXXX, XXXX XXXX XXXX, a XXXX XXXX supported lawyer company. I was in foreclosure, through XXXX I am no longer in foreclosure and has not been for a year. My foreclosure lawyer also tried to help me in this matter and he got stonewalled as well. I do not know how to or where to go for this matter to be dealt with and hope you can help me so this matter will be resolved.
Company Response:
State: FL
Zip: 32796
Submitted Via: Web
Date Sent: 2015-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: IndyMac/ One West / Douche Bank committed fiduciary practices and illegal XXXX signing. I was paying {$5000.00} a month for a {$420.00} dollar loan. When I ask them to restructure my loan to reduce the monthly payment and receive a lower interest rate, they told me the only way would be to default on my loan. At the time I owned a transportation company that was doing well until XXXX and the gas prices started to increase and airlines were filing bankruptcy. In order to adapt to the changes, I needed to restructure the business. After questioning IndyMac 's offer to default on my loan to reduce payment. They convinced me by telling me nothing will be affected, and I would only have to default on XXXX payments, in order to receive a loan modification. Well here I am about to lose my home that I worked so hard for. My business was ruined after I missed the XXXX payment. As soon as my creditors found out I had missed my payment, that was the beginning of the end for my business. I lost everything because of my lender, and have been fighting for my life, my whole world changed and my wife and children have suffered andsacrificed to try to stay in the home they grew up in. I even tried to hire a attorney from The XXXX XXXX XXXX XXXX who ended up in receivership after one and a half years. One week before they told me that I had a 90 % chance of recovering damages from a tort litigation law suit in my name that is still filed in NJ court system. I received a email from the Florida district attorneys office informing me that myself and XXXX XXXX of there clients have just lost XXXX XXXX dollars each, plus monthly fees totaling millions to these criminals. They were a legitimate law group before I gave them our last savings, including my Son and Daughter 's college savings and then they screwed us. I even checked them out with Congressman XXXX office and Senator XXXX XXXX office. Indy Mac and company ruined my life, business and my family 's future. This is the short version, I was also audited by the IRS and XXXX after the default and had to file Chapter XXXX lost my business that I worked and sacrificed so hard to build. I have worked form the age of XXXX with my family business and was thought to work hard and be honest. With all of this happening and more my father is XXXX and my mother has XXXX. I cant make this up, I just turned XXXXyear old and have been fighting every day for the past several years. 'PLESE HELP ME SAVE MY FAMILY ' I am tired and frustrated I have worked hard all my life, XXXX trades and always tried to teach my kids about being helpful, respectful, and if you work hard good things will happen. I have XXXX great kids who are doing well academically my daughter is XXXX and my son isXXXX I have nothing left for them but hope. Thank You
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2015-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In my original complaint on this account, OCWEN waved {$110.00} of the {$140.00} fees that I challenged as illegal. But OCWEN refused to remove the remaining {$25.00} on the basis that a check was stopped and returned unpaid. Please see the letter from OCWEN dated XXXX XXXX, XXXX, marked as EXHIBIT 1, and OCWEN 's attachment to the letter marked as EXHIBIT 2. The problem is that OCWEN mislead CFPB investigators with its assertions on the remaining {$25.00} fees by submitting selective and incomplete documents to CFPB in contravention of OCWEN 's pledge in the XXXX National Mortgage Settlement agreement between several federal agencies and state attorneys general to be forthright with consumers and government oversight agencies. First, OCWEN failed to inform CFPB that it had in its possession, a letter ( EXHIBIT 3 ) from my husband - my designated agent, because I had to attend to my mother who was on hospice care, informing OCWEN that check # XXXX ( EXHIBIT 4 ) was declared lost by post office and that a replacement cashier 's check # XXXX was enclosed with the letter. The letter which was XXXX ( EXHIBIT 5 ), additionally informed OCWEN to return the lost check to me if subsequently found by post office and delivered. Check # XXXX, as designated on its memo section was for the XXXX and last installment to be made to qualify for modification ( EXHIBIT 6 A ). The priority mail bearing Check # XXXX was scheduled to be delivered on XXXX/XXXX/XXXX but for unexplained reason was recycled within XXXX XXXX, FL XXXX facility for many days ( EXHIBIT 6B ). My local postmaster was unable to trace the letter, prompting him to provide a printout with a hand written remark on the last scan ( EXHIBIT 7A ) and advising that the mail might have been lost and that a replacement check be sent given the importance and urgency of the matter involved, hence the remittance of the cashier 's check # XXXX. Miraculously, the 2-day priority mail bearing check # XXXX arrived in XXXX XXXX on XXXX/XXXX/XXXX but subsequently delivered in XXXX XXXX on XXXX/XXXX/XXXX almost 20 days later ( EXHIBITS : 6B and 7B ). But this was 10 days after my XXXX replacement cashier 's check was received by OCWEN. Fortunately, the replacement check assured my compliance with the XXXX payment of the XXXX trial payments. However, when OCWEN received check # XXXX, OCWEN deliberately failed to return it to me as instructed, and instead recorded it as Forbearance payment # XXXX contrary to modification agreement. Please see Exhibit 6A above. And when I challenged OCWEN, the company contradicted its record by falsely claiming that it was applied to XXXX XXXX payment ( EXHIBIT 1 ) to justify their illegal fee of {$35.00} ( EXHIBIT 8 ). Second, OCWEN failed to provide to CFPB the complete record showing its transactional recordings. The company submitted to CFPB a document marked as ( EXHIBIT 2 ) instead of a complete document marked as ( EXHIBIT 9A & 9B ) showing that OCWEN recorded check # XXXX as the XXXX forbearance payment. This omission was simply to mislead CFPB into believing that the company earned the {$25.00} fee. The veracity of OCWEN 's statements and responses are also challenged by its other documentation. In OCWEN 's letter dated XXXX XXXX, XXXX ( EXHIBIT 1 ) and submitted to CFPB, OCWEN claimed that the return check fee was {$25.00} contrary to {$35.00} recorded on EXHIBIT 8. Furthermore, OCWEN 's asserted in EXHIBIT 1 paragraph XXXX that " Records indicate that on XXXX XXXX, XXXX, a payment was received in the amount of {$2300.00}, which satisfied the XXXX XXXX, XXXX payment. But OCWEN 's record, EXHIBIT 9B, withheld from CFPB by OCWEN, shows an accounting entry for check # XXXX as having been received on XXXX/XXXX/XXXX.
Company Response:
State: CA
Zip: 92880
Submitted Via: Web
Date Sent: 2015-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My insurance company ( Ocwen ) has taken funds from my escrow account for " annual '' Lender 's placed insurance twice this year. First in XXXX ( {$680.00} ) and again in XXXX ( {$630.00} ). They also failed to pay my property taxes in XXXX. This resulted in a over {$3000.00} in fines and penalties. They did end up paying the back taxes and fees in XXXX to avoid foreclosure from a XXXX party company that purchased the back taxes. They held me responsible for over {$1600.00} of these fees. I have been behind XXXX payment for the past few years. They have refused to help me remedy this, any over payments I make they apply to late fees, even though their statements advise that they will apply all funds to past due payments first. I have spent countless hours on the phone with representatives that are not willing or refuse to assist us in any way other than to make the full payment to catch up. We have previously asked if they would defer the past due payment. The representative advised that they would be able to assist, but this never happened.
Company Response:
State: KY
Zip: 40741
Submitted Via: Web
Date Sent: 2015-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen is our loan servicer and XX/XX/XXXX my husband lost his job, I called Ocwen to explain we would be late they said to pay the late fee and get it in as soon as possible. Feeling nervous I applied for a payday loan to pay my mortgage at a huge percentage rate now I owe them as well I was able to make XX/XX/XXXX payment and a part of XX/XX/XXXX. Now as my husband was hoping to get unemployment he started to redo his XXXX when he suddenly got sick.. he was up and down and our mortgage was not getting paid because we had to survive somehow. when things would look better he would get sick again and go downfor 2 weeks at a time. all the while I was explaining this to Ocwen who just kept giving me amounts to pay and deadlines to get caught up.Finally on XXXX my husband woke up to XXXX. the pain was so bad he couldnt stand if he wanted to. I brought him to emergency and that was the end of him working. I told Ocwen and spoke to a hud counseler whom did not make me feel any better. I then filled out the modification package and sent them everything, receipts from my renters, tenant rental contracts my paystubs taxes for XX/XX/XXXX and XX/XX/XXXX everything and some.. Loan number on top of each page I faxed and sent hard copies. 8 days later I received a letter saying they were sorry to say but our owner of our loan does not do modifications.. excuse me? They knew this when they first started working with me regarding modifications.. now its been 6 months there is a tentative sale date on my home of 20+ years on XX/XX/XXXX. They knew this about the investor of the loan, so they wasted 6 months in telling me they will work with me save our home, do n't worry when they knew all along what the outcome was going to be. As far as Im concerned that the time I have wasted collecting paperwork, filling out and sending in the package I could have been looking into other sorces of income and help. Ocwen said there is no sale date but its been recorded. Ive heard from a legal firm that XXXX is the date of course Ocwen says there isnt a date but can there be one and they are just pulling my leg..? I dont know but what I do know is after all the investigating I have been doing I am now extremely knowledgeable in the default and foreclosure process that I am not going to lose my home.. My husband is now XXXX I have XXXX renters and another staying on my living room couch just to make ends meet.. I am a XXXX year old woman and this sorry loan servicer will not take my property without a fight.
Company Response:
State: CA
Zip: 95407
Submitted Via: Web
Date Sent: 2015-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This is pursuant to complaint numbers : XXXX & XXXX filed against Ocwen Servicing, LLC and, complaint Number : XXXX, filed against XXXX. Despite the fact that my mortgage loan servicer, Ocwen Loan Servicing , LLC, was paid in full for that mortgage on that Florida home, on XXXX/XXXX/2015 by wire transfer pursuant to the Payoff quotes which they validated in writing and good till XXXX/XXXX/2015, I am the recipient of another Alert from CREDITSECURE which notes that Ocwen Loan Servicing , LLC entered a negative comment into my credit report, while at the same the paid off mortgage loan amount {$170000.00} still remains in effect with XXXX. Does this reflect an all-out-war by Ocwen for the fact that I have contested their abuses with the Consumer Financial Portection Bureau? And what was the basis for that mortgage loan to have ever been transferred to Ocwen Loan Servicing , LLC which happens to be a debt collector and which also appears to be affiliated with XXXX bank? The loan is paid for in full even with addtional interest payments and therefore Ocwen is obligated to remove it from the credit bureaus, along with the negative entries which it has also reported. Ocwen 's behavior along with the credit bureaus it is aligned with are abusing the consumers with impunity and they should be penalized for such actions.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2015-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I refinanced my mortgage in XXXX of 2015. Ocwen Loan Servicing , LLC is the servicer of the new mortgage. Late in XXXX, I called Ocwen to inquire about my XXXX XXXX payment. I was informed by customer service that my first payment was due on XXXX XXXX and that I would receive a statement in early XXXX. Sure enough in XXXX XXXX, my first statement arrived stating that my payment was due on XXXX XXXX. Today, I called Ocwen because I noticed that my XXXX statement with XXXX due date included a past-due amount. I checked my account and both my XXXX and XXXX statements had been paid on time within the grace period. The customer service representative told me that in XXXX, Ocwen had realized a mistake on their end regarding my account and that I was supposed to have had a payment in XXXX. At that time, they re-applied by XXXX payment to the XXXX due date, and then applied my XXXX payment to the XXXX due date. All of this was done and no one ever contacted me until I received this bill. I am now being told that I am responsible for making my XXXX and XXXX payments within 30 days. Frankly, I am scared. I have always had good credit and paid my bills on time and now I am facing being reported to the credit bureaus, incurring late fees, etc. When I called Ocwen back in the summer, they did not have any sort of account set up for me, and I was told today by an " escalation specialist '' that they could not have received my payment at that time because my account had yet to be established. I was also told that statements in general are only a courtesy and that I could have just mailed my payment based on my mortgage refinance documents. When asked what would have happened to my check since I did not have an account setup at the time ( as told to me by their own representative ), she could not provide an answer. I am hoping that you can help me by holding financial companies accountable to billing their customers and setting up their accounts in a timely manner.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2015-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Our office has been attempting to have a short sale reviewed on this property. Every time I have called in to the main Loss Mitigation number at Ocwen, I am advised that there is a specific person handling the file, and the main department is not able to help me out. I have attempted numerous times to reach my " single point of contact '' but have not gotten a call or email back. This short sale was submitted in XXXX and there has been no movement at all despite contacting presidential escalations.
Company Response:
State: NJ
Zip: 08053
Submitted Via: Web
Date Sent: 2015-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing took over my mortgage, and has raised my mortgage payment by more than $ XXXX/month for tax escrow reasons that are untrue. I paid my taxes. I have proof. I have sent this proof to Ocwen by fax, by mail, by certified mail, by phone, by e-mail. They keep raising my monthly rate to the point where I am perpetually behind on my now $ XXXX/month mortgage! I can not pay this rate ; I never signed up for this. Ocwen does n't help ; they just harass me day and night and constantly threaten to foreclose on my home. I am working XXXX jobs, seven days a week. Ocwen is run by criminals! Please help!!
Company Response:
State: PA
Zip: 19026
Submitted Via: Web
Date Sent: 2015-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes