Date Received: 2015-11-16
Issue: Settlement process and costs
Subissue:
Consumer Complaint: Ocwen has purposely delayed our Short Sale application which opened XXXX XXXX, 2015 and is still open as of XXXX XXXX, 2015 ( timeline attached with details ). We have signed there requested contracts twice and submitted our financial information twice. Due to there unethical delays we had to go thru a second home appraisal, sign and submit another set of documentation, go thru a second review by the PMI company and now it is costing my husband and I XXXX of dollars in CASH at the time of closing. This is all caused by Ocwen 's incompetence and unethical behavior of charging additional billable hours for the Short Sale process. Each time I speak to a Representative, they ca n't find the information we submitted and do n't know what 's going on. I make appointments with our Ocwen Home Retention Specialist, XXXX XXXX at XXXX but I do n't get a phone call and I do n't receive any messages. Please refer to attached document for detailed timeline and information.
Company Response:
State: FL
Zip: 33428
Submitted Via: Web
Date Sent: 2015-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-16
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: Although we have been very responsible with our mortgage of over 15 years -- -with ocwen and XXXX -- -we are still stuck in a punitive mortgage rate of 9 -- 16 % -- -- is there anything you can do to help?
Company Response:
State: IA
Zip: 525XX
Submitted Via: Web
Date Sent: 2015-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-14
Issue: Settlement process and costs
Subissue:
Consumer Complaint: To whom It May Concern, I am writing in hopes of some assistance in a matter that has caused much stress and anguish in my life as of recently. About 3 months ago I began the process to refinance my current mortgage. My current mortgage servicer to be paid off is Ocwen.They have been an absolute nightmare to work with, which can be viewed by my previous complaints to the CFPB. Now I write in hopes the CFPB can help me with a similar issue. The reason that I was not able to refinance was that Ocwen lied to me. When my new lender attempted to payoff Ocwen to complete my refinance, they were notified by Ocwen that because I had a modification done, I had agreed to over {$40000.00} in what they called a Shared Appreciation. First Ocwen said they would waive the Shared Appreciation, then after sending us XXXX payoffs without the Shared Appreciation ( on XXXX/XXXX/2015 and XXXX/XXXX/2015 ), they decided they now will not waive the Shared Appreciation and leaving me with an unqualified mortgage based on the value of my home. That was a nightmare in itself spending hours on the phone with a call center in XXXX that really did n't comprehend how they could make such a colossal mistake and play with my emotions so dramatically. Aside form my refinance not going through, now I am absolutely shocked that I have a {$40000.00} Shared Appreciation amount that I owe Ocwen that I never agreed to when I modified my loan. The modification paperwork is extremely confusing and the person who was helping me said to just sign it, they did n't explain and because of the situation I was in, I simply signed. ( situation is recession hit, my income form my job was cut by XXXX %, I had to file for bankruptcy, and my wife was going through health issues ) Now years later that decision is haunting me. They forced me to sign some papers to avoid foreclosure but instead have put me in a horrible situation. Had I known that {$40000.00} was secretly owed by me, I would have not agreed to that modification. I wish for the CFPB to investigate the terms of my refinance as unfair and help me to get the Shared Appreciation waived by Ocwen. ( as they originally agreed to numerous times over the phone and on paper XXXX/XXXX/2015 and XXXX/XXXX/2015 only to change their mind after I wasted so much time, energy, and money into my refinance. ) Please CFPB consider investigating the tactics used tomato me agree to an unfavorable modification and help me to finish my refinance so I can move on with peace of mind.
Company Response:
State: CA
Zip: 95682
Submitted Via: Web
Date Sent: 2015-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX, I received ( XXXX ) Letters from Consumer Financial Protection Bureau ( cfpb ) regarding Complaint Numbers XXXX, XXXX and XXXX. The erroneous servicing of my mortgage loans failed to take account of my Military Status at the start of my contact XX/XX/XXXX. I am a Retired Military Vet/Federal Personnel who temporarily lost my source of income after becoming injured in the Line of Duty, awaiting XXXX Separation. After regaining my income I furnished paid amounts to IndyMac ( A Failed Bank ) and XXXX ( XXXX Supreme Court Victim of Unlawful Mortgage Practices ) and XXXX to bring my account current. I paid {$14000.00} down, with installments of {$3100.00}, {$3100.00}, {$2900.00}, {$2900.00} and {$2900.00}. I furnished documentation and findings from U.S. Department of Labor, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX regarding my Application/Approval for Residence XXXX Exemption. XXXX furnished me with a letter of servicing my mortgage along with a foreclosure Letter. My request for Modification was Prepared and Submitted via XXXX XXXX XXXX XXXX. Government Approved Programs Making Homes Affordable. I proceeded to Re-instate my mortgage with XXXX by paying ( XXXX ) Payments of {$1800.00} for a total of {$10000.00}. XXXX disregarded the Rear payments and proceeded to change my entire contract to include Advance Property Taxes of which I am exempted. The Letter from XXXX XXXX seems to be unaware and fail to provide the documentation. Now my mortgage is being passed on to a XXXX mortgage company/debt collector to include the on-going errors. I have submitted copies of these documents on several occasions as you can finally see the overall finality and the unjust hardship caused by the type of servicing received. My unpaid amount at the time of my request was {$190.00} which has been re-recorded at an amount in excess of my Purchase Price. I feel this is a slap in the face for my contribution and service to my country. I submitted this information to the Office of my Commander-In-Chief for accountability and resolution. T/Y!
Company Response:
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2015-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Last week I received a suspicious letter from Ocwen Loan Servicing indicating they have " been made aware that you have retained an attorney as counsel '' and that " As a result, all future correspondence that is meant for you will be directed to the attorney ''. See document below. The reason this letter is so suspicious is that it is completely at odds with the facts : a ) I have never asked any attorney to represent me for any dealings with Ocwen at any time ; b ) I have never missed or been late on a single mortgage payment to Ocwen Loan Servicing in the 4+ years they 've held my mortgage. I am gainfully employed in XXXX ( I 'm a XXXX ) with a XXXX-figure salary, and have no reason to believe I will ever have challenges paying my mortgage. My mortgage is in perfectly good standing, and has always been. c ) Prior to this letter today, I had never received nor sent any correspondence of a remotely legal nature from/to Ocwen. Given the well-documented history of Ocwen and legal actions taken by states against Ocwen for their improper home foreclosures ( legal actions which XXXX XXXX is working to enforce ), my first presumption was that Ocwen is trying to position themselves to do something improper on my mortgage -- like claim a failure on my part to respond to issues they will trump up and document in the future. Can you please advise me on what I can / should do to deal with Ocwen? Thank you for your consideration.
Company Response:
State: MA
Zip: 01701
Submitted Via: Web
Date Sent: 2015-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-13
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 one 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. US Bank NA and XXXX XXXX XXXX XXXX does not have any signed supporting documents such as notes registered at the registry of deeds, because of this US Bank NA and XXXX XXXX XXXX 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: 2015-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-13
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 one from XXXX XXXX that has been discharged and the other from XXXX a division of XXXX XXXX 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: 2015-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This is a follow-up into my previous complaint # : XXXX, filed with the Consumer Financial Protection Bureau against Ocwen Loan Servicing , LLC . Ocwen Loan Servicing , LLC responded to it in its response dated XXXX/XXXX/2015. By all measures and explanations and details which Ocwen submitted, this response makes an absolute mockery to the American Financial Institution because it is contemptuous, filled with made up facts and wholly untruthful. On XXXX/XXXX/2015, I downloaded a Pay Off quote from Ocwen 's Website and which was also subsequently mailed over to me, probably corresponding to their quote dated XXXX/XXXX/15 in that table which they submitted. This table also refers to XXXX other quotes dated XXXX/XXXX/15 and XXXX/XXXX/15 which perhaps reflect quotes which they would have submitted to XXXX XXXX XXXX, XXXX, and which they claim not to know anything about! Ocwen states that on XXXX XXXX, 2015, it disbursed the sum of {$2900.00} for property taxes to XXXX County. In fact, on XXXX/XXXX/2015, I contacted the XXXX County Property Appraiser agency ( XXXX ) which infromed me that said property taxes were actually paid on XXXX/XXXX/2015, the day after my closing sale, and finally the Tax Collector 's office ( XXXX XXXX ) to which I was referred to, stated that the payment was actually made by XXXX XXXX. This absolutely refutes Ocwen 's assertion that it paid the taxes on XXXX XXXX, 2015. Ocwen also states that Ocwen received funds to satisfy the loan in full on XXXX XXXX, 2015. Actually, it happened to have been on XXXX XXXX, 2015 that XXXX XXXX XXXX, XXXX wire transferred the sum of {$170000.00}, the loan Payoff amount to Ocwen. And yet, Ocwen goes on a tirade that it would never have been in contact with XXXX XXXX XXXX, XXXX! In their Payoff Requirements And Conditions, Ocwen had written that the wire transfer at closing was to be made to Ocwen Loan Servicing , LLC, with Bank Address : XXXX XXXX XXXX. Is it that Ocwen Loan Servicing , LLC is an affiliate/subsidiary of XXXX? For what reason did Ocwen feel obliged to totally misconstrue the facts?
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2015-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We recently received a certified letter from our mortgage holder Ocwen Loan Servicing stating that my mortgage is in default due to a missed payment. Moreover, due to this phantom missed payment, they have been charging me for the certified letters and also adding in fees marked " other '' on a monthly basis ; I do n't not have any idea why or what these fees are. I have every statement available starting from XXXX 2013 ( this is as far back as Ocwen 's payment system goes ) and have not missed one payment. In fact, I am generally a couple of weeks early with my payment and always send extra. We sent a letter with all of our statements to Ocwen stating that we have not missed a payment and to please correct their error. They continued with their stance that we are a payment behind but can not show us proof of a missed payment. I called and spoke to them over the phone to find out when exactly did I miss a payment and their response was " I do n't know, you tell me ''. Based on what I can see, somehow they made a mistake and are posting my payments that are a couple of weeks early to the previous month and saying it is a couple of weeks late. Complicating the matter is that they do not provide any statements or payment books. I 've wasted countless hours on the phone with them and they have repeatedly told me to disregard the certified letter, yet my account is being listed in default. I 've read numerous complaints online about this mortgage company and truly feel like they are trying to take advantage of me and lots of other people for that matter. It 's " XXXX vs. XXXX '' and without help, I am going to be forced to make an extra payment that does not exist because I ca n't fight a mortgage giant on my own.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2015-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-13
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XX/XX/XXXX, we refinanced our home with XXXX XXXX, they were closed, then we were transferred to GMAC, closed again by the feds, stuck with a very badbad mortgage, un-notarized, unsigned docs. Closing person came to my home not knowing nothing about the XXXX acct we were given, then we were sent astatement saying we were denied the loan because of my husband 's no credit. the APR was different on several docs, my name was not on the promissorynote, took my name completely off but was on the mortgage, split the XXXX. Wewere paying for insurance on the mortgage through monthly payments. We received the insurance policy through the mail. In XX/XX/XXXX, my husband died, the insurance company refused to pay the house off. Ocwen steps in and files foreclosure on my homewith false docs because I refuse to pay for what should have been paid offthrough the ins co. Ocwen does not own my property, how can they foreclosewith false docs? XXXX Superior Court I have sent letters to the judge, motions, proof of my complaints with this company, I have appeared in courton numerous times, the court or judges do not respond to the motions. XXXX Counties ' court system so corrupt to violate my rights as a citizen andconsumer? How can fraudulent papers by Ocwen get them a court date orSheriff Sale? What is going on?
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2015-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No