Date Received: 2015-10-02
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I purchased a home through online auction XXXX AND the seller, U.S. BANK NATIONAL ASSOCIATION, recommended their preferred partner for closing, XXXX/ XXXX with the incentive that I would save on fees. The entire deal was conducted by email and pdf documents.I wired the money and even had a lawyer representing me. I closed on XXXX XXXX, 2015. To date I have not received a deed or title, and I have contacted the city and county agencies, and this property has not been transferred in my name. The water dept has shut off the water to my house because there is a {$11000.00} bill owed by U.S. BANK NATIONAL ASSOCIATION. This and other items were covered in the closing document but they never funded the transactions with their local vendors. They swindled me in the amount of {$34000.00}. We wired this money to a XXXX account indicated in the instructions. All three of these entities are working in conjunction to fraudulently advertise, sale, and close properties they do not intend to release to purchasers like me. Even my lawyer has contacted the parties and no results have occurred in the last 15 days that we have complained that the water is off. I am living in a house with no water, no title, no deed. Nothing to indicate I purchased or own this house except emails between XXXX and XXXX XXXX, 2015.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2015-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: i have been fighting for over year to find the law enforcement agency that enforces these laws, and this is not the first time i have written you. this will be the last, letter i write searching for just, and you can do like the XXXX outside my home and find the rest of the story or make up the rest like they doa conversation with the F.B.I. still no answers or call backhttps : XXXX is a letter from a brief i sent to then Attorney General XXXX XXXX. all consumer issues, and back story of state XXXX actionsXXXX XXXX
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2015-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-02
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: This has do to with the purchase of a " Short Sale '' Real Estate Contract. I submitted my offer to Ocwen Financial Corporation back in XXXX 2015. The offer was reviewed and left to sit for a few weeks. I was asked to come back with a higher offer towards the end of XXXX 2015 which I did on XXXX XXXX, 2015. I came up {$5000.00} on my original offer and they came back a week later, the Owner asking if I would pay the Attorney fees of {$2000.00} at the closing table I agreed to this. The Owner was good with this. I was told Ocwen would review and have an appraisal taken in the mean time. The Appraisal has not been taken as of today. I never received in writing these terms except for signing the document for the attorney 's fees. I have been told through the process I was the lead contract and XXXX back up contract. As of last weekend XXXX 2015 I received a notice stating that Ocwen was now going to take the property to Auction on XXXX. This was never told to the Listing Agent or Seller or to the Attorney and Mitigation Pros at the time of listing the property for sale. Ocwen has not been honest with their intentions of this property to anyone involved, they seem to have a hidden agenda in their favor. They are now asking the Seller to sign a release in order to take this step towards the Auction. They have a legitimate contract in front of them that they should address and follow through on. If I had known or it was disclosed legally like it should be according to the law I would never have submitted a Contract that was going to Auction especially on XXXX. They now want me to pay the Auction Fees of 5 % of the total purchase price and a standard {$290.00} plus closing fees if I win the auction. Between Mitigation Pros, the Attorney involved for the Seller, myself and the Seller we are absolutely livid with the ethics of Ocwen and taking such a direction. We all feel this is an illegal act with the lack of transparency on Ocwen 's part and should be addressed by your department. I know the other parties are going to submit a complaint also, it is from Mitigation Pros that I received your website link to express my frustrations. It is beyond belief that these kind of dishonest and unethical tactics continue after everything the American People have been through with the recession that the Financial Institutions were a large part of in the downturn. It is with great respect that I ask you to investigate this issue and make it right. It is for me and other Home Buyer 's wanting to be dealt with fairly and above board. It is expected of myself that I act honestly and with integrity and It should be for all involved.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2015-10-06
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-01
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: XXXX servicing I sent a complaint about this mortgage company about removing my credit report from the credit reporting companies. This is the second time i tried to get a response from them but I think they are no longer in business so i think that is why i did not get a response to have them remove my credit report from the XXXX reporting credit companies. I had my mortgage sold to a different company with a XXXX balance owed there for i should fell my credit report from them should be removed please help me to figure out how to have this done thank you ....
Company Response:
State: ID
Zip: 83301
Submitted Via: Web
Date Sent: 2015-10-21
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen did an escrow analysis and decided to increase escrow payment {$38.00} per month, payment increase notification was not received so next month payment ( {$1400.00} ) was sent out and received and NOT applied to mortgage, it was kept in an ocwen suspense account after they took their fees. Loan was then reported as 30+ late for 4 of the next 6 months, causing a large drop in credit score. Additionally, another department in Ocwen was prompted to check the property since the payment was not reported as paid, had an adjuster visit the property for inspection. Adjuster went to the wrong property, took pictures of the wrong house and reported the property vacant. Ocwen received this report, without looking and noticing that the mortgage payments continued to be paid, reported the property vacant to homeowners insurance and requested the policy be cancelled. Policy was cancelled and property was put at risk being uninsured for several months - meanwhile Ocwen continued to receive monthly mortgage payments from homeowner ( no payments were ever missed nor were any payments ever late ) This is even evidenced on Ocwen 's site. Homeowner finally became aware of the issue when Ocwen sent a letter informing that a new insurance policy was needed for the property. Now homeowner had to buy a " non-preferred '' policy as there was a lapse ( without any notification ) and has collateral damage with an approximate XXXX point drop in credit score which negatively impacts the ability to refinance the home, etc. On top of all of this, the Ocwen escrow appraiser did another analysis and found the escrow account to have a {$1000.00} overage just XXXX months after this all started and sent a refund check - clearly stating that the starting event for this entire issue was A MISTAKE. Homeowner has had hours and hours of frustrating calls and sent several letters to Ocwen and Ocwen 's ombudsman office who have failed to repair any of the consequences - they sent a letter to the XXXX bureaus stating that the account was in fact never late in payments but that does n't NOT restore the credit score or repair the financial damage. They continue to send letters stating they are " reviewing the problem ''. They have no incentive to fix the problem.
Company Response:
State: FL
Zip: 32738
Submitted Via: Web
Date Sent: 2015-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen enrolled us in a forbearance type modification program without reason or our with our approval. In XXXX, our mortgage company ( Indy Mac ) granted us a loan modification. Our interest rate was set at 2 % for the first five years. Before the first five years was up, our loan was transferred to Ocwen Loan Servicing , LLC . We were informed of the changes, and continued with our mortgage payments to Ocwen. As the end of the five years approached we received several letters from Ocwen informing us of our increased payment. Our mortgage interest, as agreed to and signed off with Indy Mac, was to increase to 3.0 % XXXX XXXX, XXXX. Another increase to 4.0 % is scheduled to occur on XXXX XXXX, XXXX. On XXXX XXXX, XXXX the final interest increase would go to 4.75 % and remain there until our mortgage loan was paid in full in XXXX. On or about XXXX XXXX, XXXX, we were contacted by our current mortgage holder, Ocwen, and asked if our interest increase would pose a hardship. They offered to send paper work for us to submit for a HAMP modification. Several days later we received that paperwork. We filled out the forms for a HAMP modification and submitted the completed forms to Ocwen, as requested by them. On XXXX XXXX, XXXX Ocwen prepared and mailed documents to us informing us they had received our " loss mitigation application ''. The documents clearly state, " after careful review of the information we provided, Ocwen is not able to offer a HAMP modification. On XXXX XXXX, XXXX, Ocwen also prepared and sent to us documents indicating that they were offering us an opportunity to enter into a Trial Period Plan for a mortgage modification. Upon receiving these documents, we promptly called Ocwen to ask questions about our concerns regarding their modification agreement terms. We were informed that the modification agreement was an extended payment plan of 40 years at 3.0 % interest. We immediately informed Ocwen that we, under no circumstances, were interested in extending our loan to a 40 year payoff nor participating with their offer. The next day we phoned Ocwen and spoke with a representative. We made it clear that we were not interested in their modification offer, and we would continue with our scheduled payments. We were informed that our denial of acceptance needed to be in writing. We wrote the denial letter and faxed it to Ocwen on XXXX XXXX. We called Ocwen on XXXX XXXX, XXXX to confirm they had received our denial of modification letter. We were told it was received on XXXX XXXX, XXXX. We paid our regularly scheduled XXXX mortgage payment ( interest increased from 2.0 % to 3.0 % ) as laid out in our original loan modification received in XXXX. We recently received our Ocwen mortgage statement for the month of XXXX. This most current statement reads that we have missed our trial modification plan payment, and indicates we are in forbearance. We have never missed or been late on a mortgage payment to Ocwen. The absurdity of Ocwen 's actions are incomprehensible. Please investigate immediately and inform us of the necessary actions we must take to stop this fraud!
Company Response:
State: ID
Zip: 836XX
Submitted Via: Web
Date Sent: 2015-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-30
Issue: Settlement process and costs
Subissue:
Consumer Complaint: # 1 XXXX from XX/XX/XXXX to XX/XX/XXXX Was the originator of my Mortgage wich was a fraudulent loan with excessive brokers fees and charging XXXX intrest in the state of XXXX. Listed in the XXXX district court from XX/XX/XXXX to around XXXX is XXXX as the Mortgage lender .XXXX , Wich I was part of a class action Law suit for this transfer and a 2 year clause not letting borrowers refinance at a lower intrest rate, XXXX found in favor of the borrowers in this class action suite , but this did not stop the fraud. XXXX had the mortgage 3 months then transferred to Littion Loan servicing or XXXX XXXX, None of these banks are on the Mortgage as the note holder as required under consumer protection Law, 30 days in state and 90 out of state or lose your right to collect. This is XXXX State Law as well as Federal Law. When oer XXXX documents were sent to you HUD and Federal Trade Commision Documenting this fraud Litton Loan servicing was to be removed from my credit report. Not documenting payments putting insurance when I had paying taxes when not late. wich is a consumer fraud from high intrest loans mine was at 9.9 ad more. claiming less money paid in to IRS wich I sent XXXX XXXX receips to and they filed charges agains Littion Loan Servicing. then after being found for Fraud by you with the documents sent you. Littion Loan servicing transferred to XXXX. who is currently claiming there are foreclosing on my property. When the XXXX district court left XXXX XXXX do that. as they registered with an out dated notary form that they owned the Mortgage on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This same person transferred my mortgage on the same day from XXXX to XXXX then to XXXX XXXX. XX/XX/XXXX after the Law suite with XXXX and XXXX was settled and both went bankrupt. I have had no contract with XXXX XXXX and never got anything from any one saying these people owned my Mortgage. and Litton Loan servicing was collecting my Payments not XXXX XXXX. But never registered as the bank to collect my mortgage. How does a bank that I never signed anything with nor agreed to this transfer with for close on my mortgage? When under my contract they could only transfer 1 time? How can they collect intrest after I stoped paying because of the excessive fraud also claming a XXXX dollar loan was now XXXX XXXX taking away all my equity in this property? When XXXX does not let you charge intrest like this? This is our justice system? This is consumer Protection? Ocwin did not foreclose on my Property XXXX XXXX did with out any legal right. How can this be? Why is this on my credit report? No refinance was offered for this fraudlent loan eather wich prompted my finding out about all the fraud. Please return my property tome and clear up my credit report within 5 days of this complaint.
Company Response:
State: PA
Zip: 172XX
Submitted Via: Web
Date Sent: 2015-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-30
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My loan is currently serviced by Ocwen Loan Servicing. Ocwen Loan Servicing has failed and refused to act on my request for reinstatement and payoff quotes. The request was made to Ocwen Loan Servicing and to their Attorney on XXXX XXXX, 2015. I tried to make contact with Ocwen Loan Servicing numerous times and was told that they would not speak to me due to the fact that this matter is in litigation and there are certain litigation codes on the file. Ocwen Loan Servicing advised me to contact their law firm XXXXThat law firm can not talk to a represented client. So the bank advises me to talk to their lawyer to remove their litigation codes, but their lawyer can not ethically and professionally speak to a represented person. This is just another example of Ocwen Loan Servicing stonewalling and not complying with the national mortgage settlement. My loan number is XXXX state of Florida , County of XXXX XXXX case number is XXXX
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2015-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan is currently serviced by Ocwen Loan Servicing. Ocwen Loan Servicing has failed and refused to act on my request for reinstatement and payoff quotes. The request was made to Ocwen Loan Servicing on XXXX XXXX, 2015. I tried to make contact with Ocwen Loan Servicing numerous times and was told that they would not speak to me due to the fact that this matter is in litigation and there are certain litigation codes on the file. Ocwen Loan Servicing advised me to contact their law firm XXXX, XXXX XXXX XXXX, XXXXThat law firm can not talk to a represented client. So the bank advises me to talk to their lawyer to remove their litigation codes, but their lawyer can not ethically and professionally speak to a represented person. This is just another example of Ocwen Loan Servicing stonewalling and not complying with the national mortgage settlement. My loan number is XXXX state of Florida , County of XXXX case number is XXXX
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2015-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-30
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XX/XX/XXXX, WE HAD A FAMILY MEDICAL HARDSHIP, WHEREIN THE COST OF TRAVEL AND ACCOMODATIONS CONSUMED OUR CASH AND OTHER RESOURCES. WE CONTACTED OUR MORTGAGE COMPANY AND INFORMED THEM.WE WERE TOLD BY OCWEN LOAN SERVICING IN XX/XX/XXXX WHEN WE TRIED TO SEND IN PAYMENTS THAT WE SHOULD APPLY TO THE HOME AFFORDABLE MODIFICATION PROGRAM ( HAMP ). WE HAVE SENT NUMEROUS DOCUMENTS OVER THE PAST 4 YEARS. WE HAVE BEEN TOLD NOT TO WORRY BECAUSE THEY SAW THAT WE HAD ENOUGH PENSION AND RETREMENT AND SOCIAL SECURITY INCOME TO MAKE OUR MONTHLY OBLIGATION. WE SENT IN DOCTOR FORMS TO DOCUMENT THE MEDICAL EMERGENCY THAT DRAINED OUR FINANCIAL RESOURCES DURING XX/XX/XXXX -XX/XX/XXXX.RECENTLY WE WERE TOLD THAT OUR MODIFICATION APPLICATION WAS DENIED BECAUSE THE NOTE HAD A MATURITY DATE OF XX/XX/XXXX. WE HAD BEEN IN COMMUNICATION EVERY MONTH FOR THE LAST 4 YEARS. NOW THEY DROP THIS BOMB ABOUT PAYMENT IN FULL OR FORECLOSURE. THE TAX ASSESSED VALUE OF OUR HOME IS {$130000.00} ON A {$60000.00} MORTGAGE THAT THEY HAVE ASSESSED LATE FEES TOTALING {$30000.00}. UPON RECENT FACT FINDING SEARCHES, WE HAVE FOUND OUT THAT OCWEN LOAN SERVIVING OF XXXX XXXX XXXX, XXXX WAS UNDER INVESTIGATION BY THE XXXX STATE ATTORNEY GENERAL OFFICE AND WAS ORDERED TO PAY XXXX HOMEOWNERS FOR IMPROPRITIES. WE BELIEVE THAT OCWEN HAD NO INTENTIONS TO REFINANCE OR ACT IN GOOD FAITH. THEY LED US TO BELIEVE THATWE HAD NO PROBLEMS AND THAT IT TOOK A CONSIDRABLE AMOUNT OF TIME TO GET REFINANCING TOGETHER. DURING THE 4 YEARS, WE HAVE DEALT WITH XXXX FINANCIAL RESOLUTION MANAGERS, WHO HAVE REQUIRED US TO SEND UPDATED DUPLICATE INFORMATION, WHICH WE DID PROMPTLY. WITH EACH FINANCIAL MANAGER WE WERE LEAD TO BELIEVE THAT WE WERE GETTING CLOSER TO THE MODIFICATION, WHEN THE HOLD TIME THEY WERE DELAYING US.
Company Response:
State: VA
Zip: 24501
Submitted Via: Web
Date Sent: 2015-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes