Date Received: 2015-11-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I had a loan with GMAC they went out of business and Owen was my lender for my mortgage I had to hire a consultant to fix my problem with them .they had fraudulent claims on me with my loan I spoke with XXXX attorney general office the issue was resolved after I paid XXXX dollars .they made fake claims against me spoke with people from XXXX who did not have a clue what I was saying I was forced to get a modification now my credit is ruined I wo n't to move and quicken loan tell me Owen states I was two years late on my bills this is because of Owen fraud I need my credit fixed so I can buy a new home and run away from Owen
Company Response:
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2015-11-10
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-05
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I purchased a home in XXXX 2014. The seller had an outstanding loan to Ocwen Loan Servicing which the Seller paid off and Ocwen sent him a notice of payoff stating the debt had been paid in full. However, Ocwen has still not released a lien on my property even though the previous mortgage was paid in full. Having an outstanding lien on a property in which the mortgage has already been paid in full is in direct violation of Ohio XXXX XXXX XXXX Entry of Satisfaction. Ocwen needs to release the lien in accordance with the law.
Company Response:
State: OH
Zip: 433XX
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: XXXX XXXX, received a loan modification from Ocwen Loan Servicing, we were behind in our payments, by XXXX of XXXX the modification expired, and I was to obtain a loan., I applied to XXXX , HUD , Keep Your Home California and several private lending agencies. Ocwen gave us a loan for 6.25 %., this is outrageous., I paid them on time for 6 years, I was never late, and my FICA score was XXXX. The investor is XXXX. The Department of Justice instructed the banks to work with the homeowners for low interest loans., We applied for another modification about XXXX times, and OCWEN refuse us every time. This started in XXXX when our home taxes were behind, and Ocwen stated they would impound the taxes., well they did until they were brought current., unaware that they stopped paying the taxes, they got behind., we then took a {$40000.00} second on the property from XXXX ( XXXX XXXX XXXX ) , predator loan, to pay back taxes. Fast forward to XXXX XXXX, the XXXX is due ( {$40000.00} ), they refused to give us time to pay, unable to pay the full amount ( XXXX ) XXXX filed for " Foreclosure. '' My husband and I faced with option of losing our home filed for Chapter XXXX Bankruptcy. I know you do n't want to hear customers private lives, but XXXX in XXXX XXXX, I had XXXX in XXXX/XXXX/XXXX, we are both XXXX., we are both on Social Security, and choking trying to make the payments. I still try to work and my childrenhelp us financially, when they can.
Company Response:
State: CA
Zip: 91107
Submitted Via: Web
Date Sent: 2015-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I filed bankruptcy several years ago, which was dismissed in XXXX of 2014. I have since waited for Ocwen Mortgage to get my paperwork straighten out since they purchased my mortgage from XXXX. However they have just now 18 months later sent me paper fork saying that my payments are past due and that I owe them a lot of extra money. and that I have made XXXX payments in one day. I want a detailed explanation of increases in escrow and past due amounts also an stop in any other proceeding until they can explain what is happening.
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2015-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I took out an FHA loan on my property when I bought it over 6 years ago. At the time I put down over 20 % of the purchase price. Since my loan was FHA I still needed mortgage insurance. I refinanced 1 year later, and was told that since I had well over 20 % of the value of my property paid I had to wait 5 years and then I could get rid of my mortgage insurance. As of XXXX XXXX, 2015 it will be 5 years. I have been trying to initiate the process of getting rid of my PMI, but the company ( Ocwen ) has not been responding or telling me what to do. They are acting as if they are drawing out the process so that I have to continue paying PMI even though I do not have to. I have already paid my XXXX payment, which means my next statement should not have PMI on it. However, I have sent emails and gotten no response, and I have talked to customer service reps who say there is nothing they can do for me. I believe that Ocwen is purposely attempting to not help me in order to continue collecting money for PMI which I should not have to pay any longer.
Company Response:
State: IL
Zip: 60056
Submitted Via: Web
Date Sent: 2015-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We have already filed a complaint against our Service Provider ( Ocwen Loan Servicing LLC XXXX. Supposedly by XXXX XXXX, 2015, everything was resolved and they corrected all the supposed-missed-payments for XX/XX/2015. However, since that time, Ocwen " accidentally '' took away our loan modification and suddenly the entire thing started over ... '' You are in default for the last 6 months '' etc.!!! We are back to square one with this company. The closer we look, the more mistakes and lies and manipulations we find. Meanwhile, my health is suffering and I am experiencing a XXXX XXXX XXXX and am out from work sick. Please see attached specifics and documentation.
Company Response:
State: NY
Zip: 141XX
Submitted Via: Web
Date Sent: 2015-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-04
Issue: Settlement process and costs
Subissue:
Consumer Complaint: in 2010 the mortgage go said I owed XXXX in back taxand raised my payment up to an amount that wasimpossible to pay asked for a mortification theywould postpone it say something was outon an on for 5 years to eat up my equity. 2 I want the mortification3 I have XXXX letters to prove it4 I feel it is a scam to get money from the gov. 5 who can I review this with
Company Response:
State: MA
Zip: 02472
Submitted Via: Web
Date Sent: 2015-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Debtor is inaccurately reporing a debt to the credit bureau. The debt was discharged in a Chapter XXXX.
Company Response:
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2015-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan servicing will not disburse condo fees from escrow
Company Response:
State: MO
Zip: 63119
Submitted Via: Web
Date Sent: 2015-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-03
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: After a recent divorce, I am under court order to sell the marital home or refinance entirely in my name. Because the property is currently worth {$50000.00} less than we owe on it refinancing is out of the question and a short sale is necessary. Let me be clear, as of this date I am current on my payments. My ex-husband and I have worked hard to meet our financial obligations and to minimize the disruptions to our children 's lives brought on by the divorce. At this time it is necessary to sell our home. We are no longer economically able to continue to support this debt and are trying to be as responsible as possible in resolving the sale of our property. We have an offer to purchase our home that we have submitted to the bank. Ocwen has drug their feet throughout the entire process. I have had to submit documents multiple times. I have received conflicting and inaccurate information about what documents have been received and which are still required. Every time I have sent them the documents they have requested they come back and ask for another XXXX or ask me to resend what I have already submitted. My offer has been with Ocwen for weeks and has yet to be submitted tot their " Investor, " in my case XXXX XXXX. I feel because we are not in default they have no incentive whatsoever to work to resolve our case. Their " Relationship Managers '' have XXXX authority to answer any meaningful questions about what will happen with my loan. All they can do is collect my documents, and they do n't even do that efficiently, and send them on to " their investor. '' XXXX can not escalate to a supervisor or file a complaint in any fashion. There is no way to contact or speak with the mythical " Investor. '' It has been the highest, broadest, thickest stone wall I have ever encountered in my experience as a consumer. There is no recourse whatsoever. This is a government regulated industry where banks operate with impunity at obscene profit. I have little hope that this forum will offer any assistance but I have made an attempt.
Company Response:
State: IL
Zip: 60543
Submitted Via: Web
Date Sent: 2015-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No