Date Received: 2015-09-30
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen has shown a pattern of and established, verified, and confirmed that not only has Ocwen had no intention of trying to keep me and my children in our home, but in fact Ocwen has acted in a way that was deceptive, unethical, and unlawful while seeking to force me into foreclosure while causing severe anxiety and emotional distress to myself and my children. Ocwen has at every opportunity tried to use a government program meant to help those whom have fallen on hard times as another tool for increasing their bottom line. Ocwen has at every turn sought to abuse, mistreat and take advantage of me through the company 's unscrupulous, immoral, corrupt, dishonest, deceptive, malicious, cruel, unethical, unlawful, and irresponsible business practices. Ocwen 's misconduct resulted in multiple violations of my rights and protections as a homeowner through use of their false, unfair, deceptive, and abusive acts and practices. Ocwen has provided false and misleading information to me regarding the loan, options for modification, and foreclosure. Ocwen has failed to provide accurate and timely information as I was seeking information about loss mitigation, including both loan modification and other options. Ocwen has provided false and misleading information to me about the status of the loss mitigation review, including when my loan was referred for foreclosure. Ocwen has provided false and misleading information to me about the status of the foreclosure proceedings when I was in good-faith actively pursuing a loss mitigation alternative. Ocwen failed to properly calculate my eligibility for loan modification programs and improperly denied my loan modification on multiple occasions. Ocwen failed to properly process my application for loan modifications, including failing to account for documents submitted to them and failing to respond to my request for information and assistance, and as a result, denied my loan modification. Ocwen provided false reasons for the denial of my loan modification. Ocwen has sent me at least XXXX back dated document and continued to list my home for foreclosure even after having received my completed applications on multiple occasions. Ocwen provided false and misleading information about my loan and did not, even upon request multiple times, send me the account ledger which I requested until I refused to move forward due to lack of full disclosure on Ocwen 's part. Ocwen provided false and misleading information about my options for modification. I was told by Ocwen employee 's that XXXX does not do any form of principle reduction. I was told to resubmit an application after addressing that Ocwen wanted me to finance more than the home was worth, and upon completion of the second application they reassessed the home at a higher value. Ocwen provided false and misleading information about my impending foreclosure. On multiple occasions when I called and asked about the status of the foreclosure I was assured that no date had been set and that a decision had not yet been made about my application ; however, Ocwen had in fact set a date for foreclosure, listed the property for foreclosure, and listed it in the newspaper all prior to ever making a decision about my application. During the application process for my loan modification I was told by XXXX Ocwen employee that I simply " could n't afford my home '' so that Ocwen would not reduce the loan to an affordable amount because they could make more money selling it. I was also told by XXXX Ocwen employee when I stated that the payments were not reasonable, nor affordable for me that I could apply for assistance later if the payments became unaffordable. I was told by a different Ocwen employee that I " should get a raise '' and be able to afford my payments by the time child support ended in less than three years. Ocwen never notifies me.
Company Response:
State: VA
Zip: 20152
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: Application, originator, mortgage broker
Subissue:
Consumer Complaint: The XXXX mortgages below attached to the title of XXXX XXXX XXXX XXXX, XXXX, md XXXX, were never erased from the title. We have been working to get the title cleared for 3 months with no success. Please help. 1 XXXX Ocwen $ XXXX opened XX/XX/XXXXWas originally XXXX assigned to gmac XXXX XXXX XXXX XXXX XXXX bank to XXXX bank ( purchased by XXXX XXXX XXXX {$63000.00}. XX/XX/XXXX. We got a response from XXXX XXXX on XXXX. They ca n't find it.
Company Response:
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2015-10-07
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: On XXXX XXXX, 2015 I wired my mortgage payment of {$5600.00} with XXXX Reference number # XXXX. Ocwen refused to accept my wired mortgage payment of {$5600.00} and wired it back to me on XXXX XXXX, 2015. I spoke to a representative before wiring the mortgage payment and she had advised me to wire {$5600.00} to avoid my account becoming blocked and going into foreclosure. Ocwen representatives have given me wrong information regarding my account and the sending of my mortgage payment in several occasions. Because Ocwen has returned my mortgage payment back to me, I have fallen behind on my mortgage payments. Ocwen has intentionally made it difficult to reinstate my mortgage back to a current status. Ocwen is demanding {$13000.00} currently to reinstate my account, due to their fault of returning my two mortgage payments back to me. Ocwen has done this intentionally so they may foreclose on my property.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Thank you again for helping me resolved my property issue that i do legally have the privilege to own but my bank Ocwen loan servicing LLC would continue to lie and cover up their illegal forclosure on my property that i purchased in XXXX i have faxed you my legal notarized documents of my payoff letter my reconveyance also the Attorney XXXX XXXX XXXX, also known as XXXX he has never worked with me on my issue with ocwen he poped out of nowhere after i diligently asked ocwen since XXXX to quiet my title by putting me back on my title they refuse to do so they continue to push me away with their lies and fraudulent behavior even attorney general XXXX XXXX sued ocwen who is homewardrresidential, and American home mortgage servicing all fall under ocwen, ocwen illegally forclosed on my home i was apart of the national ocwen settlement whose home was illegally foreclosed on by Ocwen in XXXX. XXXX ocwen attorney our liars the first attorney XXXX has left the company and now XXXX XXXX. XXXX has just left the company and Ocwen ombudsman dept. XXXX XXXX is telling ocwen staff not to talk with me please help me stop this bank.
Company Response:
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2015-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My loan servicer is in " breach-of-contract '' of a modification I completed back in XXXX of 2013. At that time my monthly loan payment was XXXX. However, the very next month after the modification took effect, Ocwen began increasing the payment to an unmanageable amount. It stands now at {$810.00}, too much for someone on a fixed income to pay. Ocwen has been denying it did anything wrong for years. Now, something must be done! Under the most recent settlement agreement, breaking a modification agreement is punishable by fines and other remedies. In addition, recently Ocwen has attempted to get me hooked up into another high-payment modification, which is only {$27.00} less than the current payment it has set for my mortgage. This is an outrage!! People 's homes, that they 've invested their life-savings in, are in jeopardy. Please do something now! To make matters worse, Ocwen has transferred my loan to not XXXX, but XXXX different loan servicers, XXXX right after the other. This has occurred within the last two weeks. The State of TN had been paying my mortgage payment, but that ended last XXXX. In order for me to pay, the original modification must be enforced. The recent Federal lawsuit and ruling against Ocwen states that it can not breach modifications on loans where at least XXXX payments have been made. Nor can it transfer the loan, multiple times, and/or abandoned modification agreements. As such, I am requesting that the CFPB enforce the Federal ruling against Ocwen, on my behalf, per the law!.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I requested a loan modification from Ocwen Loan Servicing on our first mortgage, acct XXXX. Submitted all the required paperwork a minimum of XXXX separate times. On XXXX XXXX, 2015 we received a letter from Ocwen stating we were delinquent and in default. They stated beginning in XXXX 2015 through XXXX 2015 they did not receive payments each month of {$570.00}, and that we needed to pay {$1300.00} to bring the loan current. Against my better judgement, we sent them an overnight XXXX of {$1400.00} using our XXXX. I checked with Ocwen this morning, they received the payment. Anytime we have called their Customer Service we get nearly impossible to past impossible people with extremely foreign accents, and everyone of them claims they can not hear us - we have yell ... .I am attaching a copy of the letter we received, along with bank extracts showing our payments for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2015 ... ...
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2015-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My servicer is OCWEN. My home is scheduled for foreclosure on Tuesday, XX/XX/XXXX.i have been very ill and have just been able to tend to this matter. I have never been contacted by OCWEN personnel for loss mitigation. I have serious problems with OCWEN 's Periodic billing statements as the numbers are wrong and confusing. I never received credit for property tax payments or several monthly payments I paid. I. did not receive billing statements for over two years. When OCWEN restarted billing statements the Escrow Account was in error numerically and OCWEN failed to pay my property taxes in a timely fashion so that a XXXX tax lien was put on the property which has hurt my credit. Numerically the escrow account was in error, could not be accounted for based on monies paid out vs monies charged to me that can be determined by all the statements. Also the escrow account was used for other purposes than property taxes and insurance such as fees paid not related to prop taxes,. I fought the local Tax Authority successfully to lower my prop taxes. OCWEN billed me for much higher escrow contributions at XXXX the amount that was owed even though they received the revised tax notices. I was never credited for property tax monies of {$10000.00} that I paid. OCWEN caused another XXXX tax lien this year for not paying taxes. This caused extra fees and costs and hurt my credit again. OCWEN gave me force placed insurance even though I had a policy which was XXXX cheaper. The billing statement category of Fees/Other Charges is where monthly excessive fees and costs are added, and the billing statement shows current fees that are not explained on any statement. Also OCWEN has a mysterious category of Past Due Fees/Other where the totals vary significantly and randomly depending on the month from {$5700.00} to {$3700.00} never with any explanation, and impossible to calculate from the billings. OCWEN has sent billings with reinstatement amounts that make no sense. The Note is interest only but OCWEN 's reinstatement figures vary per month between {$430000.00} one month and {$560000.00} the next month. Any monthly reinstatement figure varies between documents sent so there is no way to determine the reinstatement amount. Further, as an interest only note reinstatemt should roughly be taxes and interest. But OCWEN gives reinstatement figures that have amounts that vary wildly so the reinstatement figure for any given month over and above interest and escrow varies between {$160000.00} to {$300000.00} above the I & E figure. No explanation has been offered why OCWEN adds in such huge sums of doubtful origin to an interest only loan, because the monthly reinstatement figures are not deducted from principal and should not be according to the note and deed. OCWEN has never stated when I became delinquent even after over 2 years without any billing. OCWEN has never offered an explanation for any of these errors. I just received another late notice on prop taxes that OCWEN did not pay, OCWEN has failed to provide accurate interest totals and escrow amounts to the IRS at the end of the year with numbers varying significantly from OCWEN docs to IRS forms. OCWEN 's foreclosure procedures are wrong. Their lawyers sent a FDCPA letter a year ago in XX/XX/XXXX, and sent foreclosure letters in late XXXX. These letters are inconsistent in who the law firm represents and fails to disclose representation of the trust who claims to own the note. The trust seems to have changed but I received no notice of transfer, and clearly the note and deed are split. The initial assignment was from a company which did not exist legally to XXXX so the assignments are void so OCWEN and the trust lack standing and this foreclosure is improper. Since the amounts owed vary so much in the letters I believe they are intentionally deceptive to keep me from saving my XXXX
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2015-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-29
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Filed this with XXXX County, XXXX court of common Pleas Cival Division = My responseThe XXXX fka XXXX as trustee for the cerificateholders of the XXXX, XXXX, Asset-Backed Certificates, XXXX XXXX XXXX XXXX. Temp, XXXX XXXXThe XXXX XXXX = Plantiff vs XXXX XXXX XXXX Defendant. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX, XXXXXXXXXXXX XXXX XXXX XXXX generally deny the allegations in the complaint or have lack of knoweledge as to the accuracy. I may still cooperate with the agreed entry. The property in question is loacated at XXXX XXXX XXXX, XXXX, XXXX. XXXX property has been vacant since XXXX of XXXX. Was put up for sale by my XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX. On or about the end of XXXX XXXX. In XXXX of XXXX we received a cash offer from a potential buyer / Investor for some XXXX. XXXX XXXX XXXX approved the short sale. They had comfirmation of cash payment, and a closing date assigned. Potential buyers aware of the sewer project and prepared to make the hook up. Title search cambe back as the original loan not being properly satisfied on the deed. Worked with XXXX XXXX XXXX to chase down re-finance company and title company. Morgage Company / Title company are out of business and title company deceased. This forced the buyer to back out. If we could locate someone from XXXX XXXX XXXX XXXX, nka XXXX XXXX , XXXX last known address of XXXX XXXX XXXX, XXXX, XXXX XXXX. We could poetetially fix the isue with the title / deed with not being properly recorded and showing as satisfied. Since the above, XXXX XXXX XXXX released the property and has taken over by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX. XXXX ext. XXXX as a debt collector and aware of teh previous short sale agreement attempt. Since then the property has gone into foreclosure. Estimated sale date was indicated as XXXX of XXXX. I have had no access to the property. XXXX XXXX XXXX changed the locks and added a lock box, and also pad locked the garage door. The house has been winterized since XXXX of XXXX. Copies of my response filing have been sent to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX person to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX, XXXX. XXXX. Filed XX/XX/XXXXXXXX XXXXXXXXXXXXPlease help me resolve this issue. Thank you!
Company Response:
State: IN
Zip: 470XX
Submitted Via: Web
Date Sent: 2015-10-02
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: EXECUTIVE SUMMARY : A technology fault with Ocwen caused my XXXX XXXX payment to be late. Ocwen falsely claims this is my fault and claims my mortgage was 33 days late. At the same time, they were in receipt of {$3000.00} sent by me to reduce the principal and they applied this money to the XX/XX/XXXX and XX/XX/XXXX payments ( since corrected by Ocwen ). I believe their actions are either ( a ) the result of incompetence or ( b ) a deliberate act on their part to keep collecting PMI ( private mortgage insurance ) from me. They refuse to address this issue and have merely told me to contact the credit reporting agencies on my own. 1. I have a mortgage with Ocwen, # XXXX. The mortgage was originally obtained with GMAC in XX/XX/XXXX. I have always been current and never later on the mortgage. 2. XX/XX/XXXX, I asked that the PMI be cancelled as I believe the Loan-to-Term Value had passed the XXXX-XXXX % threshhold, based on both the original value of the property at the time of the loan ( XX/XX/XXXX ) and with appreciation as determined by the county tax assessor. After speaking to several people in foreign call centers who I could not understand, I finally got a US employee who was very rude. She told me that I had to fax the request to an office in XXXX, that I could not mail or email the request. She stated that the recent tax revaluation from XXXX County, XXXX was not valid for assessing the Loan-to-Term value, and that I could only use the information gathered by Ocwen 's " approved vendor '' ( a company in XXXX ) to establish the home value. She stated I had to pay whatever the vendor charged. I also had the option of paying additional principal. 3. XX/XX/XXXX, I wrote a check for {$3000.00} to reduce the principal, requested automatic payments by filling out the required form, and asked that the PMI be cancelled and sent all of this to Ocwen 's address in XXXX XXXX XXXX, XXXX. 4. Ocwen negotiated the check on XX/XX/XXXX, and applied the money partially towards the principal and partially towards the XX/XX/XXXX payment. This has since been corrected ( see attached email ). The total amount, {$3000.00}, has now been applied to the principal. 5. Ocwen did not debit my account for the XX/XX/XXXX and XX/XX/XXXX payment until XX/XX/XXXX6. Ocwen sent me on a letter on XX/XX/XXXX stating that my account was 33 days past due, and that my mortgage was in default. 7. I immediately contacted Ocwen ( see attached emails ). 8. Ocwen claims that the late payment was my fault. They refuse to refund the late payment charge. They refuse to cancel the PMI. Their stated reason now is that I was late more than 30 days on a mortgage payment in the past six months. They refuse to correct the report of the late payment to the credit bureaus. They told me I could write a letter. I have attempted to resolve this with my " relationship manager '' at Ocwen, but they will not change their position. 9. The failure to debit money from my account was the fault of Ocwen. At the same time, they were in possession of a check for {$3000.00}. I believe they either do n't want to admit their incompetence, or this is a deliberate act on their part in order to keep the PMI fees rolling in. 10. RESOLUTION : I wish ( a ) Ocwen to inform the credit bureaus that the reporting of the later payment was an error on their part ; ( b ) refund my late payment for XX/XX/XXXX of {$56.00}. ( c ) Cancel the PMI retroactive to XX/XX/XXXX and return the {$150.00} they charged me for the months of XX/XX/XXXX and XX/XX/XXXX ( {$300.00} ). Open source information on the Internet is replete with stories of Ocwen 's shenanigans and shady dealings, including stories like this from the XXXX XXXX XXXX on XX/XX/XXXX : " The executive chairman of Ocwen Financial Corp. will resign as part of a legal settlement with XXXX 's financial regulator. '' Ocwen has paid of XXXX in fines since XX/XX/XXXX.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2015-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was forclosed upon on XXXX XXXX, XXXX, so this is not a current loan situation. I did n't know about your bureau during the time I was trying to work with my mortgage servicer. Beginning in XXXX I applied several times for a loan modification with my then mortgage servicer, IndyMac. I was turned down XXXX to XXXX times. I lost {$1400.00}. a month income in XXXX and had not been able to get a job plus was unable to work a full time job and at times a job at all due to being XXXX. I had not gone through the state XXXX process since I was still collected spousal support. I was trying to better my life, so that I could work at something and get more income to support the house I bought in XXXX. I know now that I was maneuvered into bad loans and that I was qualified to buy a home that I really did n't have the income to support. The person who brokered my loan did not work in good faith with me and in fact took advantage of the then laws or may have broken some to get me into my home and collect allot of money for doing so. At the end of XXXX, my loan was sold to Ocwen Loan Services and I began applying for modification help with them. I was never approved with a final reason being " they do n't give modifications ''. Finally I hired Real Estate professionals to help me get approval for a short sale, which originally this Company said I qualified for. After several Real Estate pro 's and XXXX well qualified buyers the Ocwenb Company tuned down my application for doing a short sale or a sale in general. I lost the buyers ofcourse. During the XXXX, XXXX and XXXX of XXXX, the value of my home had climbed and I could have gotten at least approximately {$50000.00}. from a sale of my home. Instead my home went into foreclourser and left my possession on XXXX. It cost me about $ XXXX to buy the home. I put approximately {$55000.00}. in upgrades in as well as paid some money on principle and mostly interest only. I am XXXX and this is a huge gouge into my future ability to live. I may have been duped on buying this home and ultimately I made the decision on the loans, but I was taken advantage of. Then a mortgage crisis comes along and finished me off as it did on so many people who did nothing wrong and lost homes, jobs, investments at older ages. This whole situation is a travesty and I believe the mortgagees, owners of our loans should have had to make each and every home loan situation work because they, and their whole industry caused the problem we suffered for. I would like help in re-cupping money lost, at least what I would have gotten in selling the house, myself, in XXXX. I think that is the most fair outcome of this horrible event.
Company Response:
State: CA
Zip: 92083
Submitted Via: Web
Date Sent: 2015-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No