Date Received: 2015-10-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We believe Ocwen Loan Servicing, LLC., has miscalculated and misapplied the payments. We have received an untitled document that appears to be a transaction history, but can not understand all the terms, abbreviations, and entries. We have asked for an explanation, but did not even receive a response.
Company Response:
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2015-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-09
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: Dear XXXX, I am just writing back to let you know that I have not received a response to my complaint at Ocwen Loan. I have submitted my letter of complaint last XXXX XXXX, 2015. As of today I have not received anything from them aside for letter stating that my case is still open. My case number was XXXX. I apologized that I have to write you again for follow up. I am just very concern about this lack of response coming from Ocwen Loan. My bankruptcy case was discharged last XXXX XXXX, 2015. As of to date, they have not updated their records. I am still on bankruptcy on their records. They have not done anything inspite of my multiple calls to them and letter from my lawyer. The sad part, I can not refinance to a better rate because they are not updating my records and there credit report on me. In short, I am still not moving after 6 years after the bankruptcy. All my records has already been faxed to you through my previous letter. Thank you very much for your very kind assistance. Sincerely, XXXX XXXX XXXX
Company Response:
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2015-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage was originated by XXXX XXXX XXXX, XXXX, Georgia. I am in good payment standing with XXXX XXXX Bank, and never missed or be late in any mortgage monthly payments. Then my mortgage was purchase/transfer to XXXX XXXX. XXXX XXXX turn my mortgage to a third party ( Ocwen Loan Servicing ) to handle the collection of mortgage monthly payments. Ocwen Loan Servicing , LLC is located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX and their website is XXXX. Ocwen send me a letter asking to fill out IRS Form XXXX, which is the form that employers fill for collecting Federal taxes out of payroll of employees. Ocwen state in their letter that I will be fine {$100.00} if this form is not completed and mail back. Called Ocwen ( XXXX ) XXXX number to ask why I have to fill form XXXX since I am not an employee of Ocwen ... I am their costumer. Every single call made to Ocwen call center ( in XXXX ) lead to a costumer representative who can not answer my question, then they proceed to place my call in hold for someone to assist me. After waiting for more than 15 minutes, some XXXX pick up the phone and hang up on me. I try to contact Ocwen at different times and days of the week but the results are always the same. Ocwen costumers representative will place your call in hold and then hang up. This is poor costumer service.
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2015-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We applied for a XXXX mortgage through XXXX in XXXX it was transferred to Ocwen. We paid the loan off in XXXX XXXX. The initial loan was for a property on XXXX XXXX XXXX in XXXX, OH XXXX in XXXX in XXXX we requested if we could move the loan to a new property we wanted to purchase. the address was XXXX XXXX XXXX XXXX, OH XXXX. The loan was paid off on the home on XXXX XXXX For some reason Ocwen Acct # XXXX phone # XXXX sent the mortgage to a collection agency 2 months before we paid the loan off we had never been delinquent on any of our payments. They did n't release the loan to the county when it was paid off. When we contacted them to release the loan they kept sending us back to the collection agency. At that time we contacted your organization to clear the loan off of the property. They complied and released the loan. The reason why were contacting you again now is we are trying to do a deed in lieu on the property on XXXX XXXX. The mortgage company is XXXX mortgage Acct # XXXX our contact person is XXXX XXXX XXXXXXXXXXXX. She is trying to clear the title of the property to finalize the deed in lieu. She has found Ocwen opened a second loan when we transferred the mortgage from XXXX XXXX XXXX to XXXX XXXX so it looks like we took out XXXX loans on that property. When I notified them of this the person I talked to at Ocwen which I did n't write his name down on XXXX XXXX at XXXX did n't start a ticket to figure out the problem so I waited until yesterday XXXX XXXX at XXXX I spoke with XXXX operator # XXXX she said she would look into it and call me back this morning with more information, she never called. The email I received from XXXX XXXX stated the record release we recieved from Ocwen was recorded incorrectly or was not the correct release. The release we need is book XXXX page XXXX and was recorded in XXXX for {$35000.00}. The release they provided was for mortgage from XXXX with book XXXX page XXXX for {$35000.00}. I did forward this email to the male on XXXX XXXX but obviously nothing was done with it. XXXX emailed me yesterday telling me to file another complaint with you. The deed in lieu is in jeopardy of not being finalized. I need your helpThank You XXXX XXXX
Company Response:
State: ND
Zip: 58701
Submitted Via: Web
Date Sent: 2015-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-09
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: my mortgage is own by Ocwen, i call and ask them to refinance my mortgage thru the HARP program they said that they can not do that, but can restructure my loan and that my payments would be {$440.00} for a trial period of 3 months, they said my payments would be about that after the trial period .they send me some papers to get noterise which i did the next phone call i receive from Ocwen was that they drop me from the program, they also told me that i would not have to pay XXXX month mortgage, then i received a next call that i owe 2 months of mortgage XXXX and XXXX of 2015 in the amount of {$1900.00} dollars, I ask them what happen to the payments that I was making every month they said they applied it to my mortgage. I call them and they said my escrow was short fall, i ask why wasnt i notify by Ocwen ar my ins.co or the city of XXXX they could not answer my question they told me i need to send them {$450.00} for the escrow short fall which i did and it clecr my bank account, all these transaction are being done by different associate at Ocwen, i was told to pay {$590.00} for the month of XXXX mortgage which i did and the cheque clear my account now i was told onXXXX/XXXX/15 to send a cheque for {$1400.00} for the months XXXX and XXXX, all i am doing is sending chequs to Ocwen and they are clearing my account a i getting no help from them i was told they have bad business wrateings with alot of their customers, my credit score are low because they report me to the credit bereaus. I WOULD LIKE SOMEONE YOUR OFFICE / AGENCY TO LOOK INTO OCWEN WAYS OF DOING BUSINESS WITH THEIR CLIENTS. THANKING YOU IN ADVANCE OF ANY HELP RENDER TO MYSELF AND OTHER CLIENTS.
Company Response:
State: FL
Zip: 32211
Submitted Via: Web
Date Sent: 2015-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have overpaid my mortgage company over {$2900.00} for FHA Insurance and they will not reimburse me. Instead they cancel my paid up FHA insurance and sent me a letter disputing that I have not overpaid. This trial has been going on for a year this month.
Company Response:
State: FL
Zip: 32506
Submitted Via: Web
Date Sent: 2015-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XXXX XXXX XXXX DENIAL - APPEAL ) Ocwen Loan Servicing , LLC is stating that they are unable to offer me a Home Affordable Modification because : " You were previously offered a HAMP modification and failed to return the final modification agreement within the required timeframe. Please note, not all eligibility factors were evaluated '' I believe that I am eligible for XXXX XXXX XXXX XXXX since my mortgage loan is currently under a XXXX XXXX XXXX XXXX modification that I defaulted on due to medical and financial hardships ( see attached hardship letter XXXX. I never defaulted on XXXX XXXX XXXX XXXX TPP payments nor did I default on a XXXX XXXX XXXX XXXX loan modification, which means that I remain eligible for XXXX XXXX XXXX XXXX presently. The denial ( attached for your review ) clearly states that I failed to return the final modification agreement, which is not an ineligibility factor coupled with the fact that 12 months have passed since that occurred. Also, I have already put in multiple requests ( work orders ) for underwriting to submit a valid explanation as to why I am not eligible for XXXX XXXX XXXX XXXX on XXXX/XXXX/15 and XXXX/XXXX/15 that have not been answered to date. I have scheduled multiple calls with the Ocwen relationship manager, XXXX XXXX, and even she could not provide a valid explanation as to why I am not eligible for XXXX XXXX XXXX XXXX on XXXX/XXXX/15 during a scheduled call when she suggested that I escalate the issue to the Ombudsman department and confirmed that underwriting has failed to provide an answer to the work order submitted on XXXX/XXXX/15 and XXXX/XXXX/15 regarding the issue ; the work order was never completed. ( XXXX LOAN MODIFICATION OFFER - ISSUES ) I was offered a Shared Appreciation Modification ( XXXX XXXX loan modification from Ocwen Loan Servicing , LLC per the attached correspondence dated XXXX XXXX, 2015, that was set to begin on XXXX XXXX, 2015. The initial issue with the XXXX loan modification offer, set to begin XXXX XXXX, 2015, was that it was not sent out to me until XXXX XXXX, 2015, and was sent regular mail so that I did n't receive the offer until the afternoon of Friday, XXXX XXXX, 2015, as evidenced by the attached USPS tracking confirmation. I contacted Ocwen on XXXX/XXXX/15 to obtain an advanced copy of the loan modification offer and spoke with an Ocwen representative by the name of XXXX XXXX XXXX Agent ID # XXXX ) who incorrectly informed me that it was mailed out on XXXX/XXXX/15 via 2-day priority mail, which was not accurate ; the XXXX loan modification offer was actually mailed out on XXXX/XXXX/15 via regular mail, which took 5 days to receive while up against a XXXX/XXXX/15 payment/acceptance deadline. The next issue with the XXXX loan modification is that there is no accompanying appraisal, which makes it nearly impossible to determine whether the " appreciation '' share portion of the XXXX loan modification is appropriate or feasible and further makes it impossible to understand the appropriate principal forgiveness amount. I have never heard of a XXXX loan modification offer that does n't include an appraisal as well as a reasonable time frame in which for a borrower to review and accept an offer for assistance ; in this case, Ocwen did not provide an appraisal and only allowed for 5 days for me to review and accept the dubious XXXX loan modification offer, which was extended to me after only a 5-day XXXX review period. An agent with Ocwen named XXXX XXXX Agent ID # XXXX ) was contacted on XXXX/XXXX/15 and he conveyed that the appraised value was {$160000.00} but on XXXX/XXXX/15, a different Ocwen agent named XXXX XXXX ( Agent ID # XXXX ) stated that XXXX was incorrect and that Ocwen can not provide appraisal values over the phone but that I would receive it in the mail. I never received an appraisal, which warrants further questions about the XXXX loan modification offer. Please help me to understand all of this and the XXXX XXXX denial!
Company Response:
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2015-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-08
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I have been harassed, threatened and charged fraudulent fees by a company ( OCWEN Mortgage ) that I do n't even have a mortgage with currently they are demanding that I pay them for insurance they supposedly purchased because I refused to make them loss payee on my homeowners policy. This all stems from this company acquiring my personal data from a paid off mortgage ( HELOC ) that I had previously with XXXX Bank. XXXX sold my mortgage when they went out of business to XXXX XXXX. I did n't want to do buisness with XXXX so I paid ( overpaid actually ) off XXXX XXXX Apparently, XXXX was in the process of selling off HELOCS to OCWEN and that is how they got my info. They assumed a credit balance of {$75.00} which was an over payment to XXXX Before I ever heard from them at all I began receiving robo calls from them demanding that I immediately remit " Zero dollars and zero cents '' immediately. That went on for weeks until I found the CEO of OCWEN MORTGAGE 's home phone number and began calling him. I have contacted them repeatedly for the first year and told them that I did not have an account with them and never would do business with them for any reason. I also demanded that they refund the credit balance that I overpaid to XXXX XXXX. The next year they began threatening to " purchase insurance to protect my loan '' ( which did n't exist ) and that it would " cost more than if I purchased it myself ''. By then I had stopped even opening the XXXX or XXXX documents then sent me every month for the past 3+ years. The lien on my deed has never been removed even though there is no balance remaining from the paid off, always pays as agreed status of that loan. This company is nothing but a criminal enterprise. At a minimum I want the deed to my property cleared. Jail time for the criminals that run that scam would be nice, and I would cooperate in anyway I can but that would be a bonus.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2015-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: After the death of the original property owner, her heiress, henceforth XXXX completed a family transfer package for OCWEN and received a permanent modification of the mortgage under her own name However, mortgage statements continue to be addressed to the deceased. XXXX has completed the assumption application, has a mortgage modification in her own name and is now the borrower. But the account remains in the name of the deceased mother and listed under the social security number of the deceased. Despite phone calls, emails, XXXX notices of error and a completed family transfer package by the XXXX OCWEN has not updated the account to reflect her name and social security number. A complete complaint will be mailed into the CFPB
Company Response:
State: MA
Zip: 01109
Submitted Via: Web
Date Sent: 2015-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In early XXXX 2015 I submitted paperwork to Ocwen Mortgage Services to apply for a deed in lieu due to a situation with my XXXX year old mother that requires my presence in XXXX. I called to inquire as of the status of the application on XXXX/XXXX/15 and advised the representative in the deed in lieu department that as of XXXX XXXX the house would be vacant and suggested that they take steps to secure the property as there are several vacant homes on the street that have been vandalized the moment they were vacant. upon return home yesterday I find out from a neighbor that Ocwen Mortgage sent someone from their preservation service to change the locks on my house. I have not been approved or denied for a deed in lieu nor has foreclosure been started. All my belongings as well as my dog & XXXX cats are inside the home and I still live there at least until XXXX XXXX 2015. In addition to prematurely sending their agent to change the locks, my situation was discussed or mentioned to my neighbor which im sure is a violation of my right to privacy. I do not speak with any of my neighbors yet one saw that someone was taking pictures and inquired. He advised me that I should call the preservation company to let them know I am living in the house still and my neighbor also said " your locks are going to be changed because you are in foreclosure. '' He would have no way of knowing my situation as I keep to myself and did not want anyone to know I was leaving just because my house was already been broken into with me living there and I live alone and I am afraid. Can you please look into this and advise me what I need to do or if my rights have been violated? I have emailed Ocwen '' s Consumer Ombudsman as well as a general email for Ocwen to advise them I would contact someone to see if my rights have been violated. You may contact me at XXXX after XXXX Eastern Time if you have any further questions. Thank youXXXX XXXX
Company Response:
State: MI
Zip: 48507
Submitted Via: Web
Date Sent: 2015-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No