Date Received: 2015-10-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My current mortgage servicing company is fraudulently placing my mortgage in a forbearance payment status after being advised verbally and in writing of my non-agreement to a modification XXXX. Further, they have not updated their system as to the payment process only allowing for a reduced payment to made online and subsequently threatening foreclosure and negative reporting to the credit bureaus for non-payment of the full amount of mortgage. All paperwork being received from Ocwen Loan Servicing states my current payment due is {$650.00} when in actuality the payment should be {$880.00} and I am being threatened by employees with foreclosure and negative reporting.
Company Response:
State: FL
Zip: 33971
Submitted Via: Web
Date Sent: 2015-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: failure to provide an XX/XX/XXXX statement.
Company Response:
State: SC
Zip: 29687
Submitted Via: Web
Date Sent: 2015-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I ordered my credit reports from all XXXX agency 's. I noticed XXXX 2014 payment was showing late and I contacted Ocwen to see why and they said I did not pay it till XXXX XXXX, 2014. I began disputing this. I also hired XXXX XXXX for some stuff I was cleaning up on my report. I cancelled with them as I never thought to pull my bank statement to see when it came out of my XXXX account. When I pulled the statement online it is showing the money came out of my account on XXXX XXXX, XXXX not on XXXX XXXX, 2014. Ocwen is saying they can not do anything as far as updating my credit profile and I have my bank statement showing that it did come out of my account on XXXX XXXX, 2014. They said prior that if I sent the statement to the research department it would be adjusted. I called and they said there is nothing they can do.
Company Response:
State: PA
Zip: 15136
Submitted Via: Web
Date Sent: 2015-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I tried to refinance my loan to lower my monthly payments due to hardships. My claim was Denied and my house payment was increased to {$200.00} a month and will increase each year {$200.00} each month!
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-26
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XXXX, my mortgage was sold/transferred from XXXX to OCWEN. XXXX knew that our mortgage was severely underwater ( mortgage balance more than the property is worth ). Yes, we were a victim of a predatory mortgage loan in XXXX of XXXX with an inflated property appraisal that had our home valued at about XXXX XXXX dollars or more over its actual taxable and marketable value at that time. Our home is further underwater as our XXXX office ( XXXX XXXX XXXX ) has us paying taxes on {$140000.00}. Our mortgage balance is still {$280000.00} at todays ' current date. In XXXX and XXXX, XXXX says they did us a favor by doing an in-house modification ( not HAMP ) but increased our mortgage balance to {$310000.00} with a lot of legal fees and other fees we could not get a clear explanation on. Yes, they lowered our mortgage rate to 4 % with an increase in the mortgage rate set for XXXX XXXX, XXXX at 4.375 % which will increase our payment and not allow for faster reduction in our mortgage balance. We have asked OCWEN XXXX times in the past year to lower our interest rate to 2 % to allow more principal to be paid so if we had to sell the property in the future we would be close to its actual value. Our mortgage is a XXXX owned loan and according to XXXX and Ocwen, it did not allow them to reduce our principal balance or that is what they are explaining to us. Ocwen does have a program to allow for interest reduction which would allow us to gain ground faster to reach our home 's actual value in a shorter period of time. We spoke with a realtor about listing our home for sale and he said it would be best to try and work something out with your mortgage servicer as he said our home would only sale for about {$160000.00} on a good day with a desperate buyer. My wife and I are in our mid XXXX 's and can not see that we can continue a 22 year mortgage payment and principal past 8 to 10 years from now at its current value. We can sustain and keep it up if we were paying more towards the principal and reach the actual value within about an 8 to 10 year time period according to an amortization table and the mortgage at a rate of 2 %. We would like to stay in our home instead of having to go through foreclosure or a short sale and we just received notice that Ocwen has transferred our mortgage processing to XXXX XXXX XXXX, in which XXXX adviser XXXX XXXX stated that XXXX has a ruthless nature in an XXXX XXXX, XXXX article published at this URL : XXXX : XXXX advise us as to what we can do as our mortgage gets traded and transferred and we keep witnessing a non win-win situation. See this example of service from OCWEN -- -- - According to OCWEN 's mortgage customer website the only statements viewable or obtainable online are from XXXX/XXXX/XXXX on back ... .. Account StatementsMain MenuClick on a date to access an account statement : Statement XXXX this was todays ' date of XXXX XXXX, XXXX when I accessed our account online. I just get transferred from XXXX person to another when calling in at OCWEN 's Mortgage Service Center. XXXX # Again, we would like to continue to live in our home, but can not afford to stay underwater in our mortgage forever it seems with no help since the HAMP and HARP programs have been in existence. Thank you, Concerned Homeowners
Company Response:
State: KY
Zip: 42141
Submitted Via: Web
Date Sent: 2015-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have had Ocwen for my mortgage since XX/XX/XXXX when they bought my loan from XXXX. It has been a complete mess ever since. I called for a payoff quote XX/XX/XXXX and then again XX/XX/XXXX. When I received the pay off quote in XX/XX/XXXX the pay off was higher than the one in XX/XX/XXXX, so I called Ocwen for clarification. After trying to speak with numerous people that have no clue what they are doing ... I hung up and called back and actually got someone with some sort of a brain. She preceded to tell me I was 4 months behind on my mtg. I said to her I have never missed a payment in 10 years so where are you applying my payment? So I found out that in XX/XX/XXXX my payment increased but they were not allowed to contact us due to Bankruptcy laws. So for the last 5 years we have been mailing in the wrong payment amount. I am in the process of closing on a new home in one week and because of this Ocwen is not reporting it at all on my credit and my new home is on hold! Ocwen is ruining this for a lot of people! So one needs to stop them ... this is why there are so many forclosures put there!
Company Response:
State: FL
Zip: 32807
Submitted Via: Web
Date Sent: 2015-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: For almost 10 years now I have been fighting to clear my name with reference to a foreclosure action on a house located at XXXX XXXX XXXX, XXXX, NY XXXX and various other financial defaults related to a XXXX XXXX XXXX, a former occupant of this house. I have had to deal with collection agencies, utility companies, the XXXX, and over and over again, Deutsche Bank National Trust Company, who may or may not own the note for this home. My finances, my credit rating have been adversely affected, and to say this has been a nightmare would be the understatement of the century. Once again now I am being contacted by XXXX XXXX, a process server for the bank, there has already been one individual at the house trying to serve me papers, and it needs to end. I have spoken to an attorney about litigation of all parties concerned, but in the interim, this activity on the part of these creditors needs to cease. Not only is this continuing to be a financial burden on my, but the emotional and physical toll this is taking on me can not continue.
Company Response:
State: NY
Zip: 11417
Submitted Via: Web
Date Sent: 2015-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-25
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: OCWEN mortgage has done to me what they did to consumers who have lost their homes. I have been to small claims court XXXX and prevailed each time, however OCWEN has not stopped forecloser notices and fees I do n't owe them. They have just appealed the Judges small claims courts ruling where I prevailed with a {$6300.00} award. OCWEN refuses to stop reporting delinquent credit reporting. They have ruined my credit since this nightmare began in 2013. I tried refinancing with another lender and OCWEN refused to provide a payoff. My complaint against Ocwen is that they have imposed unauthorized fees, multiple abuses in the mortgage servicing process, to date continue to place my mortgage payments in escrow account and last month put my mortgage payment in a suspense account, so my payments show delinquent, and I am in default according to their records, and charged multiple fees for certified letters, inspection fees and other fees. This all began when they began escrowing for insurance I was already having debited from my bank account.This resulted in more late fees and my principle payments not being applied by OCWEN. Once OCWEN acknowledge confirmation of insurance they began duplicating my insurance payment to XXXX XXXX. I read about the class action suit and see they are still doing what States have sued them for. I need my credit restored and them to bring my mortgage current. Both times in small claims court I have proven their wrong doing, yet they refuse to correct my mortgage, and now appealing the Judge 's order. Money is tight and they know attorney 's are costly that I will have to hire an attorney for the higher court. Please help ... we liked our lives back and to keep our home. OCWEN has had XXXX different attorneys from the same law firm, and each does n't know what transpired in the prior court proceedings.Their lawyer XXXX reprised against me by canceling my monthly statements, bullied me, threatened to take my home, and I have limited access to their customer online site, due to the delinquency, that does not allow me to make online payments, that other OCWEN customers have access to. This litigation has gone since 2013, and during our litigation they continue to bill me for certified forecloser notices, when they are at fault. What they claim I owe them varies, by phone, correspondence, and their online site. The Judge had OCWEN customer service on speaker that demonstrated what the OCWEN Attorney was alleging was not what OCWEN customer service stated via phone in the courtroom, that in fact there were not XXXX delinquent payments, that payments were placed in suspense and escrow accounts and would be corrected. OCWEN attorney 's put a gag order on OCWEN customer service not to communicate with us further. We are desperate to resolve this, we ca n't buy cars or get any loans due to OCWEN. The stress has affected my health during this time.
Company Response:
State: TX
Zip: 76114
Submitted Via: Web
Date Sent: 2015-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-25
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I had made mortgage payments to Ocwen Loan Servicing for the past 3 years via their automated phone pay and in return I would receive a confirmation number. However, beginning XX/XX/XXXX Ocwen did not withdraw the money from my bank account. Believing that this was a mistake and they would get it corrected I made my XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX payment the same way which also was never withdrawn. In the meantime, I had started proceedings to have my home refinanced through my local bank. I then requested a payoff balance and was given a figure to which my bank wired the monies to Ocwen. XXXX days later the wire was sent back stating that it was short and they filed for foreclosure of my home for non payment. Not once during the length of this loan did I ever receive a statement, notification of non payment nor a phone call in regards to this matter. Needless to say it became a very grueling task to get this companies cooperation. After almost 3 months we were able to get them to give us a payoff amount which included unfair foreclosure fees
Company Response:
State: IL
Zip: 619XX
Submitted Via: Web
Date Sent: 2015-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Coming out of Chapter XXXX Bankruptcy XXXX 2015. Instructed by XXXX. that Bankruptcy satisfied and mtg. payment should be paid to mtg. co. starting XXXX 2015. Mtg. payment madeas scheduled and in XXXX 2015 loan turned over or bought by new servicing co. where mtg. payments will start to them in XXXX 2015. Mtg. payment made to new servicing co. and I find out that prior servicing co. turned over a {$5000.00} delinquency. I have provided all the court documentation from the Bankruptcy and copies of all payments made after Bankruptcy closed and am now going into month 4 with current mtg servicing company and the " 5 year requested audit I made in writing to them and XXXX '' has yet to be completed. I was told by XXXX that their our time limits for them to comply. I was also told that the prior servicing company had no obligation to submit their documentation to XXXX. I am writing to your agency to stop " this blame game '' and get the audit completed. The new servicing company is indicating that I may be responsible for " Fees '' associated with this. Is that correct? How long does the current servicing company have to comply with the audit? The servicing company that fraudulently submitted the arrearage to the current servicing co. is Ocwen Mortgage. The new servicing company is XXXX, XXXX Also, please provide me with specific time allowance for mortgage servicing companies to comply with customer requests. Thanking you in advance.
Company Response:
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2015-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No