Date Received: 2015-10-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage loan through Ocwen Loan Servicing , LLC was going along fine until XX/XX/XXXX. At this time, due to an incentive bonus payment through my HAMP loan modification, a portion of my loan referred to as " interest Bearing Principal Balance -- in the amount of {$3300.00} gets paid off early. ( Attachment XXXX ). It is at this point in time that a chain of events have happened causing me great concern. The date of XX/XX/XXXX becomes the due date in Ocwen 's system no matter when I pay to escrow. ( Attachment XXXX ) Then I am no longer able to pay online on their website. Ocwen tells me to pay through the mail. Checks get returned to me with a notice that my loan is in default Attachment XXXX ) ( except for the tiny print at the bottom saying if debt has been discharged through bankruptcy ( which it was XX/XX/XXXX ), this is not an attempt to collect ) .I make numerous phone calls to Ocwen complaining that they will not accept my escrow payments even though the contract indicates that Ocwen provide an escrow account for me. ( attachment XXXX ) Feeling I have no alternative, I write a letter to escrow dept at Ocwen requesting that they de-escrow my account. ( attachment XXXX ). I had to send the letter twice because Ocwen stated they never received my letter. My understanding is that the letter has now been received. That is good, but I need for the de-escrowing process to become completed and subsequently the amount in my escrow of {$540.00} returned to me. Next issue is regarding unpaid property tax installment of {$1000.00} that was due on XX/XX/XXXX was NEVER PAID BY OCWEN. They paid the first installment due on XX/XX/XXXX but not the second. I started to get notices from XXXX XXXX that my property could be sold in a tax sale. The total amount if paid after XX/XX/XXXX is {$1000.00}. ( attachment XXXX ) Ocwen needs to acknowledge their mistake and send me a refund check for {$1000.00}. Repeated calls and emails to Ocwen get me nowhere. On XX/XX/XXXX I pay the second installment myself. ( attachment XXXX ) even though Ocwen was supposed to pay it. Ocwen keeps saying they paid my taxes, but their tax/accounting dept erroneously paid only the first installment ( attachment XXXX ) They think they paid my taxes, but it appears to me ( and XXXX County ) that they paid the first installment + added in an old amount from the previous year and marked it as paid! ( probably {$1000.00} + {$1000.00} = {$2000.00} ) ( attachment XXXX ) duh At this point, Ocwen needs to send me a check for {$1000.00} to fulfill their escrow obligation. Ocwen also needs to complete the de-escrow process for my account. Ocwen seems unequipped to service my account adequately. They need to accurately deal with the terms of my loan modification, make corrections in their system so that my account is not treated as in default when, in fact, it is not. This has gone way too far!!! I just received a 30 grace period notice. I am scared. Ocwen needs to fix this problem!. Or what? Will they try to foreclose on an erroneus amount from XXXX of {$200.00} that really is n't due?. Or maybe the {$86000.00} that has been deferred until XX/XX/XXXX? Which all seems irrelevant because of my bankrupcty discharge. When will this stop? Now, please!!!!
Company Response:
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2015-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Homeowner has been under review since XX/XX/XXXX. She is awaiting XXXX and waiting for a XXXX. XXXX. The daily ongoing stresses of loosing her home are a factor in her Health failing with no answer. They approved her for a Modification on XX/XX/XXXX but she missed making her payment due XX/XX/XXXX because she was hospitalized. She got assistance from XXXX XXXX XXXX, which covered all 3 trial payments XX/XX/XXXX and the Lender did not accept it. Since then her Financial circumstances have improved, she now receives SS XXXX. With the information we have submitted for a year reflecting affordability and with the decision they already made agreeing that it is affordable and in range should conclude the same decision with the increase, XXXX.
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2015-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Docket can be found at : XXXX under ( new ) case inquiry, XXXX-In XX/XX/XXXX a foreclosure was file against my property. After many summary judgments and a few sales which I managed to reverse. -Lack of prosecution ( LOP ) notice was filed on XXXX/XXXX/XXXX, Docket # XXXX for plaintiff XXXX XXXX XXXX XXXX an answer to XXXX. -Novastar XXXX operations in early XXXX. -Plaintiffs attorneys filed for substitution of party plaintiff on or about XXXX XXXX, XXXX to XXXX as successor trustee under XXXX XXXX funding Trust, XXXX. -Plaintiff finally obtained final summary judgment in XXXX XXXX. -I appealed in XXXX XXXX. -Sale was set for XX/XX/XXXX but the cancelled due to investor problems. -Sale was rescheduled for XXXX XXXX, XXXX. -In the int rum I filed a Federal, FDCPA, FCCPA case against debt collector attorneys servicer and bank. -House was sold on XXXX XXXX, XXXX but reversed by plaintiffs attorney because they forgot to show up at the sale and the sale price was to low. -Mandate and opinion ( appellate win ) was entered in my favor XXXX XXXX, XXXX. ( attached file ) -Once I received opinion I voluntarily dismissed the Federal case against all party 's. -This case laid dormant up until XXXX/XXXX/XXXX where counsel was substituted and case was reinstated by order on XXXX/XXXX/XXXX. -Plaintiffs filed a XXXX amended complaint on XXXX/XXXX/XXXX again changing the party plaintiffs name. MY COMPLAINT. After becoming aware of the CFPB consent order with Ocwen It appears to me that Ocwen is still manufacturing/fabricating false documents to obtain jurisdiction to foreclose and steal properties with no standing to foreclose. I have attached several documents for your review that show on their face that there is a high probability that the attorney firm, Ocwen and plaintiff are working in concert to make it appear to the court that they have standing to foreclose and to get around the opinion of the appellate courts decision. My opinion is that it is a very poor attempt and, I hate to say it, but laughable at least. It appears that they are committing fraud upon the court and because they caused certain documents to be filed in the public record and quite possibly in violation of Florida criminal code Sec. 817.535 and the Florida RICO XXXX and other violations under sec. 817.15, false affidavits, sec. 817.155, sec. 817.16, false officers. If you look at the documents attached it is crystal clear that a poor attempt has been executed and filed on the record. They can not unring the bell. The allonge they included with the latest filing appears to be manufactured. I attached the file ( copy of note initial filing of suit and copy filed and copy filed recently.. ). which was supported with an affidavit of lost note, an affidavit of lost note was also filed back in XX/XX/XXXX by the initial law firm. The endorsement appears to be manufactured for purposes of bringing XXXX XXXX into the game. If you compare the original filing of suit with copy of note the endorsement is not there. So how did this endorsement appear on a lost note? How did the assignment XX/XX/XXXX ( attached ) transfer the lost note to Ocwen by XXXX who has been defunct for many years? KEEP IN MIND THAT THIS WAS PREPARED BY OCWEN. I am running out of space so I am hoping that you can see what I see on the face of the documents. One more point I would like to add. The appeal court did make a couple of mistakes which I only caught recently. When they mention assignment from XXXX to XXXX XXXX not on record prepared by then Law Firm and back dated, they were incorrect, Please review attached ( assignment XXXX XXXX, XXXX XXXX Mortgage assigned to XXXX. Not XXXX XXXX. ( attached, appellate win ) XXXX did not seek to recover lost note, XXXX did. And some of the dates are off. I am out of characters, looking forward.
Company Response:
State: FL
Zip: 32129
Submitted Via: Web
Date Sent: 2015-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-21
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Consumer Complaint: Ocwen, for over a year, stated that I was not eligible for a loan modification because my property " is being marketed for sale '' after foreclosure. This was false. In Hawaii, the Court must approve any sale, and this has not happened, although a Summary Judgment was granted. When Ocwen reversed this statement, I applied for modification, for the fifth time. As of XXXX XXXX, 2015, I had complied with all conditions. ( see attached ) Then, Ocwen demanded a final condition on XXXX XXXX, 2015 : a deed from a co-borrower. I complied. ( see attached ) No modification has been received. In fact, we have yet to be denied. We have satisfied all conditions. We have been deemed eligible. Ocwen now says we must resubmit. Several of the letters received were given only after our attorney called Ocwen to ask for them. Then, they were dated a month before, yet never sent to us. Ocwen 's attorney now wants to confirm the sale of our home, because we are not " under review. '' We are getting the runaround all over again. And we have back-dated letters, claimed to have been sent to us when they were not.
Company Response:
State: HI
Zip: 96816
Submitted Via: Web
Date Sent: 2015-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-21
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: When my loan was transferred to Ocwen the balance on my loan was increased by nearly {$25000.00} with no reason. Ocwen told me that is the balance they were given when they took over my loan. I asked for proof but they said they had no way of getting the history on my loan since the other mortgage company was closed. How can they do that? Should n't I be able to get the history on my mortgage? I know that the loan on my House is transferable but I should be given something other than here is the new mortgage company & where to send my payments. Ocwen Mortgage has never been helpful on this matter and I do n't know what to do!
Company Response:
State: TX
Zip: 78233
Submitted Via: Web
Date Sent: 2015-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage with Ocwen they took over GMAC a few years ago. Last yr they failed to pay my Home Insurance on time so I set up a payment plan with my insurance, then cancelled my Escrow with Ocwen since they could not pay in a timely manner. They then paid my insurance 4 months late. It caused me to have an escrow shortage and raise my house payment a year later. They did it again XXXX after I clearly have cancelled my escrow. So now I have an inflated escrow shortage and house payment. They have paid my insurance 2 times without my permission after I cancelled my escrow and have pmt plans set up with my insurance. I have started the process of getting a home equity line of credit to get my mortgage out from under them and they now are impeding that process by inflating my escrow. This company needs to be shut down. It ca n't be legal to pay insurance when I have cancelled my escrow then add it to my house payment?
Company Response:
State: IL
Zip: 62002
Submitted Via: Web
Date Sent: 2015-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage has transferred ownership two times. It began with IndyMac and then was bought out by XXXX XXXX and then shortly thereafter, was bought out by OCWEN Loan Servicing , LLC . Currently my adjustable rate mortgage is serviced by OCWEN. I have never held escrow on any mortgage and have always paid my own property taxes and insurance with no default in payment. In XXXX of 2015 I was issued a statement saying that I owed {$3300.00} in escrow fees and my monthly payment would jump by nearly {$700.00}, in addition to a rate hike. I did not opt for an escrow account, they simply issued it to me without my consent. Both I and my insurance XXXX have submitted supporting documentation to them with current insurance and property tax accounts SEVERAL TIMES and they refuse to remove this charge of escrow from my statements, even after I wrote a letter to them telling them that I would not pay into escrow and would only pay principal and interest, as I always have. I do not want this to adversely effect my credit, which I am struggling already to improve so that I can refinance with a more ethical lender. They have imposed a financial hardship to me and I believe they have done so in attempt to force me to go into foreclosure, even though I have never fallen behind on my mortgage payments and I have about $ 200K in equity on my home. It has reached borderline harassment. They call me even though I have already made payment ( reflected in my bank account statements ) and tell me that I have missed payments. They need to be investigated and pay appropriate consequences for their blatant predatory lending practices.
Company Response:
State: WA
Zip: 99202
Submitted Via: Web
Date Sent: 2015-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-21
Issue: Settlement process and costs
Subissue:
Consumer Complaint: Due to process of foreclosure over my property, Servicer bank to close foreclosure using Us Government HAMP program and changed my principal balance on XXXX XXXX 2014 from {$310000.00} ( Property principal ) to {$450000.00} ( Property value + monthly aggregated defaulted payments ). Yes, Ocwen is charging {$130000.00} as late fees and adding it to principal. Consider also that I 'm paying 43.65 % to recover my house after foreclosure and with the sponsorship of the US government. This behavior is against federal usury estatutes as well as to FL estatutes.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2015-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am the XXXX for the homeowner of a property at XXXX XXXX, XXXX, MI XXXX. Ocwen holds XXXX mortgages with and there is a XXXX mortgage withe the state of Michigan. I have submitted all required documents to Ocwen to gain an approval for the a short sale and Ocwen provided me an approval, however the approve left off the XXXX lean to the state of michigan. I submitted request XXXX lean required information and Ocwen keeps telling me that it is not acceptable. I ask them over and over what they want me to send and when I send it they continue to ask for the same document over and over that I keep submitting. I have been working on this file since XXXX 2015 and it has been a difficult task every step of the way with Ocwen.
Company Response:
State: MI
Zip: 48076
Submitted Via: Web
Date Sent: 2015-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: After getting behind on my XXXX and XXXX mortgage with Ocwen Loan Servicing I agreed to a a deed in lieu of foreclosure to Ocwen and moved out of my house to avoid foreclosure. Since completing the deed in lieu I have continued to receive collection calls and letters from Ocwen and its assigned debt collectors for the XXXX mortgage that I no longer owe. This is harassment and I have met with an attorney to resolve this situation if my complaint with the CFPB does not resolve the situation.
Company Response:
State: WA
Zip: 98056
Submitted Via: Web
Date Sent: 2015-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No