Date Received: 2015-10-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: US bank foreclosed on my property XXXX XXXX XXXX XXXX XXXX Pa XXXXWith Illegal documents. this documents. were filed in the XXXX distrct court. thess dicuments were filed by the same person for XXXX diffrent banks XXXX being bankwrup. Argent and its sister company XXXX. please find with this complaint dicumentation of this from the XXXX Th Didtrict court. also finf out fated notery stamp used to ffile these documents.
Company Response:
State: PA
Zip: 172XX
Submitted Via: Web
Date Sent: 2015-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-06
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Litton Loan Srrving collected morgage payments from me from XX/XX/XXXX TO XX/XX/XXXX WITH NO LEGAL RIGHT TO COLLECT AS RECORDED IN THE XXXX distric court XXXX XXXX XXXXRecording right to collect is mandated by Federal as Well as State Law Under XXXX XXXX LawwLittion Loan Servicng had 90 days to do this XX/XX/XXXX and failed to do so.. Under these Laws Litton Loan Servicing lost the right to collect. also Littiin Loan servicing has commited multiple. fradulent avts with this loan as documented by me with over a XXXX documents. How can Littin Lian servicing transfer anything after commiting fraud and not registering.plus Argent was not aloud to transfer this morgage under XXXX county court XXXX.
Company Response:
State: PA
Zip: 172XX
Submitted Via: Web
Date Sent: 2015-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been devoting my entire life for the last two years fighting with OCWEN loan servicing. They are completely and totally inept, send us letters saying they have n't received payment when the check has cleared BEFORE the date of the letter. Their call center is in XXXX, and they just have drones answering the phones reading from scripts. That is how I got into this mess in the first place, by following the instructions I was given from XXXX. That was two years ago, and I am still fighting. It should not be a full time job paying your mortgage and dealing with the mountains of incorrect and useless paperwork one receives from them. However, i refuse to give up. If I have to DIE from fighting them, I will.
Company Response:
State: FL
Zip: 32086
Submitted Via: Web
Date Sent: 2015-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: more than 10 years ago my wife was very ill and our family experienced significant financial problems. We defaulted on our mortgage and in order to get things back in order I accepted a deal with my mortgage handling company that increased my interest to a very large amount. It was my understanding that after our finances improved, and we demonstrated that we made our payments on time our interest rate would be decreased. Unfortunately that has not happened. I have requested that they review our account but all they have done is tell me that my mortgage is eligible for refinancing. My credit is now excellent but the mortgage on my house is much more than its value and I can not get a new lower interest mortgage. I feel that if the company can increase my interest they can also lower my interest. I have been encouraged by many to " walk away '' from my home but I have been in it for 40+ years and do n't want to do that. I am more than willing to honor my mortgage but need some relief on the interest I pay.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2015-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-06
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: ocwen offered modification which when it was said and done made our monthly payment go up not down.and made it a 40 year loan from a 30 making it impposible to ever pay it off .we ended up short selling the house from not being able to keep up the payments.we applied for other help but where denied every time.we feel ocwen preyed opone our weakness and took advantage of us.
Company Response:
State: FL
Zip: 32904
Submitted Via: Web
Date Sent: 2015-10-06
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was trying to see if thay can modif, my loan to make it a fixed rate with impounds. and thety sai they could not help. but they were always calling to see if I mailed my payment out and ask for my reciept numer and tracking number. and lost my home owners info. and called my threes time to get the info to them.
Company Response:
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2015-10-06
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-06
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Our firm represents XXXX XXXX, 21-year owner of the property sold on XXXX XXXX, 2015 via trustee 's sale. We believe that sale is invalid, and in violation of RESPA. We are asking the CFPB to contact the servicer, Ocwen. A third-party purchaser issued the consumer a five-day notice to vacate, so we are immediately seeking to have Ocwen rescind the sale, on the grounds that it is invalid. XXXX XXXX is XXXX was XXXX in active loss mitigation, yet Ocwen foreclosed. Ocwen entered a trial payment plan with XXXX XXXX in XXXX 2015. Attached is a statement which makes note of the establishment of a TPP. We have payment stubs that evidence the consumer was performing under the Plan ; payment receipts for the months of XXXX, XXXX, XXXX, and XXXX 2015. Ocwen neither denied a permanent modification, nor granted XXXX. It issued nothing in writing to the consumer, and consumer continued to perform under the TPP. Despite a live loss mitigation that includes a TPP, Ocwen foreclosed on the consumer 's property. The Trustee executed its sale on XXXX XXXX, 2015 selling the home to a third party. The Notice of Trustee 's Sale is attached. ( The sale executed on XXXX XXXX although you may notice that the original Notice of Sale schedules it for XXXX/XXXX/2015 because Arizona law allows foreclosures to proceed any time thereafter without rescheduling/fresh notification ). We believe the sale was prohibited by the federal regulations that place a moratorium on foreclosure during loss mitigation. During a Trial Payment Plan, that moratorium is absolute : no trustee sale may be executed during performance under a trial payment plan. Specifically, a servicer may not conduct a foreclosure sale if a borrower is performing pursuant to the terms of an agreement on a loss mitigation option. XXXX C.F.R. XXXX ( j ). If Ocwen alleges that it denied a permanent modification, we point out that we have no written notice of denial as required under the regulations, and notwithstanding any denial, the timing itself of the sale may have violated other provisions of RESPA. A borrower whose complete loss mitigation application results in a denial for any loan modification also has a right to appeal the denial if the servicer received the complete loss mitigation application 90 days or more before a foreclosure sale or before the date for a foreclosure sale is set. Immediate action is required in order to limit liability and an independent action for damages, which our research indicates may be appropriate under these facts. We are requesting the rescission of the sale.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2015-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We believe that Ocwen Loan Servicing used " unfair and deceptive acts '' while servicing our loan. That Ocwen did not have " reasonable '' policies and procedures in place.That Ocwen did not reply to us in a timely matter, if at all, when we sent them concerns or information on our account. That Ocwen charged us for an escrow account that we did not need. That Ocwen never provided us with an escrow account analysis or an escrow account statement. That Ocwen started a foreclosure process against us without proper procedure. That Ocwen imposed improper fees against us. That Ocwen 's bookeeping is very confusing, if not questionable. That Ocwen, with all their negative reports on our loan, have destroyed our credit. We are including a timeline of events for our loan, some comments pertaining to our loan, and exhibits to verify our claims. These items are on the attachment connected to this complaint.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Regarding Case number : XXXX, While currently under review by my lender, I am writing to ask that my ongoing challenges with my lender be both documented and added to the open complaint referenced above. With this in mind, I am submitting screenshots XXXX of my accounts that clearly shows the discrepancy in the amount indicated as owed to keep my account current and the amount that the site will allow me to pay when I indicate that I wish to pay the whole sum ( monthly payment ) that is indicated as owed by me. In addition, I am also going to upload a copy of the most recent PAST DUE NOTICE that I received from the lender for another of my accounts for the record after both spending an hour on the phone with XXXX their representatives last month to try to verify that they had worked out their difficulties and also being assured that I was going to receive a letter ( that I have still not received ) indicating that they were both assuming responsibility for the errors and were planning to correct their erroneous report to the credit bureaus of " my failure to honor my obligations as agreed ''.
Company Response:
State: CA
Zip: 95403
Submitted Via: Web
Date Sent: 2015-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing , LLC, has reported to the credit bureau, that I am continuous latewith my mortgage payment. There by damaging my credit rating. I have not been latein making my payments. I would like them to remove the late statements.
Company Response:
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2015-10-05
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No