Date Received: 2015-11-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am writing you today to make you aware of an issue my husband and I are going through. In XX/XX/XXXX our mortgage loan was transferred from Litton Loan Servicing to Ocwen Loan Servicing , LLC . When the loan was transferred, our mortgage was in good standing. Ocwen then added a insurance policy to our mortgage raising our monthly bill up nearly {$400.00} per month. Even though I had proof that we already had homeowners insurance through XXXX, Ocwen proceeded with charging us. They eventually started sending us statements that had outrageous amounts charged onto our mortgage. Shortly after, they started sending us foreclosure letters threatening to sale our property in a short sale. I fought for months and months, calling the company, asking for a loan modifications that they denied several times, I filed complaints with the CFPB ( Consumer Financial Protection Bureau ), I hired XXXX lawyers to assist in the matter and still, nothing was ever fixed. I have proof of every payment that was sent on time and all the complaints I filed with Ocwen and the CFPB. With Ocwen continuing to threaten us with foreclosure although it was not a mistake on our parts, we then reached out to a bankruptcy attorney XXXX XXXX in XXXX, Texas. She advised us in order to get this company behind us, we would be forced to file for bankruptcy. We then filed in XX/XX/XXXX. After filing, we then discovered that Ocwen has a major lawsuit against them ; they have also sent us letters stating that they have established a voluntary claim program to provide payments to borrowers who may have received certain misdated letters. This company has ruined our credit history for the rest of our lives and now we can not purchase a home. When we were forced into bankruptcy we did not mismanage our funds and we did not even have enough debt ; we had to go get a car to create more debt in order to file. This company has taken our home for no reason and now have a lawsuit online " Ocwen, Assurant Near $ XXXX Settlement in Class Action Lawsuit ''. But what about our credit report? We are victims of foreclosure FRAUD!!!!! The foreclosure needs to be taken off of our credit report so that we can get another home for our XXXX children. We recently XXXX. We want her to have a home to call her own. Ocwen stole from us and we did not deserve this at all. We have suffered emotionally, mentally and physically. I was XXXX due to stress. We are not seeking to get money although it would help us recover from the financial strain we went through. Our main goal in this is to get the foreclosure off of our credit report so that we can qualify to purchase another home. No one is listening to our complaints, the credit bureaus are not fixing our credit reports. I contacted the law office of XXXX, XXXX and XXXX and Attorney XXXX stated that he is just too busy to take our case. No one is helping us sir. I know you are busy sir, but we need your help PLEASE! Please take time to look into this issue and help us recover from this wrong doing. May XXXX bless you.
Company Response:
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2015-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We were on time, every month with our mortgage. OCWEN began taking our additional monthly payments and putting them into a " suspense account '' rather than paying down our principal. When they would not pay down our principal, I asked OCWEN to apply my extra payments towards next month invoice. They said they would, but they never did. All additional principal payments never went to principal, but into suspense account. The math became impossible to understand. We never missed a payment, now OCWEN says we are six months behind! And we never missed a payment. They assigned us a " relationship manager '' as an advocate of Ombudsman Department but they never return calls or emails. Its a scam! Now they have a lawyer calling us and they stopped accepting regular monthly payments. They forced us into foreclosure and our perfect credit reports now have XXXX late payments and our scores went from XXXX to XXXX and dropping! Our loan officer says we can not qualify for a mortgage now. Many states, including California have fined them XXXX of dollars for mishandling loans, but they are still in business and they should not be. Remember, politicians take lobby money to protect big business. Only in numbers can the people prevail. Submit your complaint now and be heard!
Company Response:
State: CA
Zip: 92629
Submitted Via: Web
Date Sent: 2015-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: ocwen loan servicing company has been continually and consistently been making harassing phone calls to me. this has been going on for 11 months, starting on the XXXX of each month and going to the XXXX. some days they call as many as 5 times, starting at XXXX and going to XXXX despite repeated and written notice to stop ( not to mention a perfect payment record ), these calls keep coming and i believe are a personal vendetta.
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2015-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-06
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: my home loan was foreclosed on XX/XX/XXXX with Ocwen loan, but my Ocwen loan XXXX is showing on my credit as late payments of 120 days. the loan company continued to put late payments until XX/XX/XXXX. I contacted the company of the issue and was told the loan was XXXX out on XX/XX/XXXX and will receive a statement in 2 to 6 months. I was not allowed to fix the problem
Company Response:
State: NV
Zip: 89002
Submitted Via: Web
Date Sent: 2015-11-06
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: They are charging me interest on {$80000.00} when my current principal balance is {$65000.00}. I have contacted them several times they refuse to acknowledge this problem let alone make any changes.
Company Response:
State: OH
Zip: 45240
Submitted Via: Web
Date Sent: 2015-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-05
Issue: Settlement process and costs
Subissue:
Consumer Complaint: Georgia Dept of Bankingand finance have refusedas to date to take my caseand to investigate this fraudagainst my name for thepast 6 years or so. Georgia investigators havenever replied to mymultiple complaints which Ihave filed with them for thepast 6 years.
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2015-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-05
Issue: Settlement process and costs
Subissue:
Consumer Complaint: On Monday, XXXX XXXX, 2015, I am scheduled to complete the closing sale of my home in XXXX, Florida. As such during XXXX 2015, I contacted Ocwen Loan Servicing , LLC at their website to find out what the PAYOFF amount on the mortgage was going to be. Ocwen Loan Servicing , LLC subsequently sent me by mail the necessary written documentation dated XXXX XXXX, 2015, under PAYOFF QUOTE VALID THROUGH XXXX/XXXX/2015, which tabulates the Total Amount Due, to be : {$170000.00}. This is broken down as such : Principal, {$170000.00} ; Interest, {$2700.00} ; Satisfaction Cost, {$10.00} and Late Charges, {$130.00}, for a grand Total Amount Due of {$170000.00}. ( Such documentation was faxed over by me to XXXX XXXX XXXX, XXXX ). However, on XXXX XXXX, 2015, I contacted Ocwen by telephone, primarily to confirm the real estate county tax payment due on the closing date of XX/XX/XXXX and, which XXXX XXXX, XXXX had told me was supposed to be {$2400.00} and which Ocwen had quoted them. The Ocwen agent, by the name of " XXXX '', then quoted me a PayOff amount totaling {$170000.00} which I immediately disputed pursuant to the written quote which Ocwen had submitted & which I re-iterated to him ; and he also informed me that the real estate tax amount due was {$2700.00}, which again I disputed pursuant to their initial quote to XXXX XXXX, XXXX. Immediately after completing my phone conversation with that agent at Ocwen, I received a telephone call from the Closing Agent at XXXX XXXX, XXXX, who told me that she had just been notified by Ocwen, that the PayOff amount due Ocwen had increased to {$170000.00}, while the real estate taxes which I needed to pay off by Certified check at closing had been increased based upon Ocwen to {$2900.00}. However, the real estate taxes have always been in escrow with Ocwen ( the documentation for such was also submitted to XXXX XXXX, XXXX, as I had received it by mail from Ocwen as well ), but which they will not pay to the county until XX/XX/2015, and which now requires that I myself pay it at closing according to XXXX XXXX, XXXX and confirmed by Ocwen. I have had a series of disputes with Ocwen due to the high interest rate of 7.94 % bearing on the mortgage and which I attempted to have lowered via mediation by the Consumer Financial Portection Bureau, but for which I was always unsuccessful thereby creating the circumstance which causes me to sell the home ( at a very signifcant loss to boot ). It is totally unnecessary, vexing and practically fraudulent by Ocwen at this point to have increased the Total PayOff amount as well as the total real estate tax liability which I am afraid I will not be able to recoup from Ocwen.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2015-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was behind on my mortgage and received a letter as to the amount that needed to be paid to bring it current which was XXXX by the XXXX XXXX 2015. On XXXX XXXX, 2015 I sent OCWEN XXXX wire transfer they refused to acknowledge receipt of it. After a lengthy investigation a week later they finally admit to receiving it and ask for XXXX more dollars to bring the account current for the next months payment. I sent on XXXX XXXX, 2015 another XXXX dollars electronically after receipt of it they refused to acknowledge getting it and told me I still owed for the XXXX XXXX 2015 mortgage payment another XXXX dollars. On XXXX XXXX 2015 I sent another XXXX. I spoke with OCWEN today they tell me I still owe XXXX.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: THIS IS THE XXXX COMPLAINT THAT I MADE TO THIS AGENCY AND TOTALLY IGNORED AND MAKING THE COMIUNICATION IMPOSIBLE TO DISPIUTE THE CONELCTION AGENCY FALSE RESPONSES IN THIS SITE THE DOCUMENTS CAN BE ATTAACHED I AM UNDER A FRAUDULENT FORECLOSURE PRACICES DUAL TRACK BACK DATED MAIL AND DECEPTIVE PRACTICES FROM THIS SERVICING AGENCY ON MY LOAN AND YOU ARE WORKING ON BEHALF OF THEM SINCE THE COMINICATION BETWING YOU EN THEM ARE A SECRET COMIUNICATION HIDING FORM ME
Company Response:
State: CA
Zip: 91402
Submitted Via: Web
Date Sent: 2015-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen received XXXX payments inadvertently in XXXX. XXXX on XXXX XXXX and the other on XXXX XXXX. XXXX reps on two different days said they would reverse the payment back to my credit union. They reversed the payment on the accout but never sent the money back to the credit union. They put it in a suspense account! As of today, the payment has NOT been sent back to the credit union NOR has it been reapplied back to my mortgage. They have charged a late fee and sent me a past due notice!! THEY HAVE THE MONEY!!! I needed the payment back to pay on my son 's remaining hospital bills as well as my utilities and other bills. I explained that when I called on XXXX XXXX. A while back, they had me to fax a statement to them about my paying them at the end of the month due to the hospital bills so they would stop calling my home. It was very upsetting, as is this situation! They purposely kept both payments and the second payment is just sitting somewhere!
Company Response:
State: MI
Zip: 48602
Submitted Via: Web
Date Sent: 2015-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes