Date Received: 2015-09-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: GMAC is reporting incorrectly XXXX mortgage late payments on XX/XX/XXXX & XX/XX/XXXX. I made those payments on time via XXXX, XXXX XXXX XXXX on line payment system did n't work so the payments delivered but were posted late. XXXX XXXX XXXX, corrected the problem and deliver the funds to GMAC, but they were posted as late payments, even thought it was not my fault at all. They can check my record and I have a perfect record payment thru the day I payoff this mortgage XX/XX/XXXX. I am applying for a Mortgage and this issue is affecting my credit. Please help.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2015-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I recently ended a Ch. XXXX bankruptcy and have been trying to bring my mortgage current or have it modified. I attempted to make payments on the loan on line but was restricted from doing so and was advised that as soon as they audited my Ch. XXXX payments they would notify me with a total and help make arrangements and until that time they would not be able to process payments on the account. I was sent the updated total by mail and attempted to contact them by phone. I have made many attempts to contact them at the number they provided, but have either been disconnected by their automated service while entering requested information or when I finally reach a operator they ca n't " hear me '' and disconnect. I have also attempted to make phone appointments with them via their website but am told my " session has ended '' when I click the submit button. Today they served me with a foreclosure notice and I have been once again been attempting to contact them for the last several hours with no success.
Company Response:
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2015-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing LLC is reporting two mortgage late payments on XX/XX/XXXX & XX/XX/2011. I made those payments on time via XXXX, XXXX XXXX XXXX on line payment system did n't work so the payments were posted late. XXXX XXXX XXXX, corrected the problem and deliver the funds to Ocwen, but they were posted as late payments, even thought it was not my fault at all. They can check my record and I have a perfect record payment thru today. I am applying for a Mortgage and this issue is affecting my credit. Please help.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2015-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-27
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: As XXXX time home buyers we were unaware that the acts of the lender/broker were predatory in nature and violated several real estate laws/protection acts. We only recently became aware that the lender has violated every aspect of T.I.L.A./The real estate settlement procedures Act and all other laws covering real estate. We had no idea the C.F.P.B. was available or we would have filed a complaint long ago. Everyone needs to be aware of all laws/rules when buying a home. There are more scavengers then Wells Fargo out there. Interest was set at 11 % + but changed to over 14 % on the morning of the closing. We were distressed financially at the time of application and were shocked the loan was approved. We had problems paying the mortgage within three years. We filed for federal chapter XXXX bankruptcy in XX/XX/XXXX and paid it in full. It was discharged in XXXX. This was filed the United States Bankruptcy Court XXXX Pennsylvania case number XXXX paid in full and discharged on XX/XX/XXXX. During this time all past due payments/interest were paid in full. Lender was not allowed to charge any additional fees/interest/misc charges during this time. They did ... If the misapplied payments had gone to principle instead of excess fees/interest the loan would be paid in full and then some. To date lender has not and will not provide anything to show where payments went and how applied. We spent five years with no money to bring this mortgage current and stop the massive interest and uncalled for fees to end up owing as much or more then before. Now lender is trying to foreclose and still can not prove to us that we really owe anything. Now their original claim that we owed {$12000.00} has grown to over XXXX. Had the lender provided the requested information with any real money owed to them we could have paid it off. Now they are stalling and trying to proceed without providing us the proof contained in the payment and how applied history. The loan servicers were never made aware by the mortgage owner that the loan was in bankruptcy so they could charge correct interest and credits. We have been stripped of any benefit ordered by the Federal courts. Lender also proceeded with a foreclosure action while we were being considered for a loan modification. They have failed to provide proof that they have not made errors in accounting and they ca n't. We do n't owe Wells Fargo/XXXX/XXXX/XXXX or whoever they are now anything on this property or anything else. We have way to many documents to scan and attach, including the original loan agreement showing 11 % interest and dated a few days before the closing. The lender, seeing all documents, would give them time to prepare lies to show as evidence. This way I can show their errors and misrepresentations in court if needed and they have already committed themselves to a story. We are only allowed one option below but there are real, provable issues with all parts of this mortgage from start to now and continuing.
Company Response:
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2015-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-26
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XXXX my husband and I purchased a XXXX mortgage for the amount of {$50000.00}. At some point GMAC mortgage notified us that they has purchased our loan. They sent statements and we paid. When I became ill I spoke to them and they reduced our interest rate to XXXX. GMAC mortgage filed bankruptcy in XXXX of XXXX. We had our first experience with Ocwen when we received a certified letter threating foreclosure. I called and gave them the account # and they could not find an account for us. I called back a few weeks later and was told again they were going to foreclose on our home. We were never told they had bought our mortgage. We were very behind and I was sick. We made payments. The statement also shows our principal balance of XXXX was XXXX. With a XXXX interest rate. That was the last statement I got from them after to class action law suit. When we checked our credit report it showed written off to chapter XXXX bankruptcy which we assumed the lien would be lifted as per the law. In XXXX on this year we tried to refinance our home with XXXX XXXX and everything was going great until a lien showed up on our home for {$46000.00}. {$4000.00} less than we took the loan out in XXXX. They also sent this letter stating we needed to contact them after XXXX got in touch with them. They do not understand why it is written off to bankruptcy and there is still a lien and neither do my husband and I. His credit score has dropped from XXXX when we started with XXXX down to XXXX.
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2015-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received endless telephone calls at home and at work from Ocwen saying my mortgage payment is past due. I also received XXXX Initial Due Diligence Letters from the company saying they might initiate possible foreclosure proceeding. I arranged automatic biweekly mortgage payments with Ocwen since the inception of the loan. I never missed a loan payment. I try to understand from them why my mortgage loan payments is past due but they did not provide any explanation.
Company Response:
State: CA
Zip: 94306
Submitted Via: Web
Date Sent: 2015-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-26
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In regards to the registered letter I got today : NOTICE OF DEFAULT dated XXXX/XXXX/15. My first missed payment was XXXX/XXXX/15. As I am applying for HAMP thru Ocwen since XXXX XXXX, 2015 and I am only 1 month and 22 days late, I am NOT in Default of my loan agreement. I dispute the validity of the debt. Nowhere in my mortgage note does it say you will raise my mortgage payment {$520.00} a month. I applied for a RMA request for mortgage Assistance on XXXX XXXX, 2015 when my mortgage went suddenly from {$1200.00} to {$1700.00} a month. I expect to get HAMP and PRA. I am in touch with the department every single week and have been diligent about sending yet more paperwork every week to wrap up this slow process. I understand that the making home affordable program was created to help XXXX of homeowners modify their mortgages. As part of this program Ocwen and the Federal Government are working to offer me options to help me stay in my home. However that has not happened yet. On XXXX when I was 1 month and 2 days late on my mortgage I was sent a Deed in lieu and offered {$12000.00} to move out. I was given a 1 day notice as I received this letter on XXXX. I 've expressed that I want to keep my home. The options I 've been offered so far is to get out. My mailman told me that an awful lot of people in this neighborhood are receiving registered letters from Ocwen. It sounds like you are trying to do a hostile takeover of the community. In addition why are there XXXX different addresses for Ocwen in this letter in addition to the XXXX different payment addresses?
Company Response:
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2015-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-26
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am filing a complaint against Ocwen Loan Servicing/XXXX Bank for utilizing BWW law group Attorneys At Law to use intimidation to force me to contact them while I was reporting their misconduct to OCC and Consumer Financial Protection Bureau. I recieved correspondence from this firm which had my complete history of my promissary note and deed of trust. In the correspondence that I signed for through the United States Post office XXXX VA. The letter stated, " This is not a demand for payment and this firm has not been retained for a lawsuit against you. '' This type of intimidation and bullying is a part of the abuse I have recieved from OCWEN Loan Servicing/Deutsche bank. XXXX XXXX XXXX XXXX requires financial institutions - companies that offer consumers financial products or services like loans, financial or investment advice, or insurance - to explain their information-sharing practices to their customers and to safeguard sensitive data. I never gave XXXX and XXXX attorneys or XXXX to have authorization to me or my ex husbands information. Will attached documents. My original note and deed said that the loan had to be kept as a VA loan.
Company Response:
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2015-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-25
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Today is XXXX, XXXX, 2015, no payment has been made for over eight years on a mortgage for a home that I legally own. The Statue Of Limitations in MA is six years to collect any kind of debt. The original mortgage was with XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX forgave the debt and discharged it at the registry of deeds, XXXX XXXX XXXX sold the debt and has been selling it and moving it around to all different banks, a lien was placed at the registry of deeds by US Bank NA and now XXXX XXXX XXXX XXXX is claiming they bought the loan and could possibly be selling it and moving it around. In the mist of all this my identity could possibly be at risk for identity theft.
Company Response:
State: MA
Zip: 02703
Submitted Via: Web
Date Sent: 2015-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: This is an addition to the previous complaint # XXXX : After begging Ocwen for a Short Sale package they finally did, however it took 2 days to send the documents. However there is concern of FRAUD from Ocwen. Here are the details. 1.The XXXX system they use would not allow me to see the documents, because I needed an email from them to activate the account. 2. I advised Ocwen of this, and they said they would put a package in the mail and would also send the documents thru their company e-mail. 3.At XXXX XXXX and 2 days later, I received the company e-mail with the XXXX page document attachment. 4. Amazingly, after I received the document, the XXXX, security activation e-mail came thru. ( 2 days later as well ) 5.I went to my bank to fill the paperwork out and the bank ( XXXX XXXX ) faxed the package. Ocwen said they did n't receive it. I asked for another fax number and I got, Rep # XXXX, and faxed the second time, from the same bank, to Attention XXXX and she said she would call when she received it, it was her direct fax line.She never called. 6. Yesterday, I called and verified that it was there with rep # XXXX and he said they did receive the XXXX page package from the bank. 7. Here is the potential FRAUD, page XXXX, income information. a.On the documents sent by Ocwen, page XXXX ( income page ) it has my spouse salary as XXXX a month and my weeky salary at XXXX. These numbers were already filled in by Ocwen. These figures are incorrect and these figures HAVE NEVER BEEN THIS AMOUNT! b. On the " secure documents from XXXX '' the salaries were increased amounts, his was XXXX per month and mine was XXXX per week! c. On yesterday, I received the mailed package and, page was completely empty, no salaries were listed. Note : I have been dealing with this kind of problem for several years. I originally wanted to keep my house. At this point, I want to get a reduction on all of the inflated fees on the mortgage, and the ability to avoid foreclosure and complete a short sale my home and receive a relocation package. My spouse is a Veteran and served his country faithfully, both of us have worked hard and I still do, we just want to be treated fairly and Ocwen has not done it. It appears they just want to foreclose XXXX XXXX by any means necessary. Your help is very much appreciated in this matter.
Company Response:
State: TX
Zip: 76018
Submitted Via: Web
Date Sent: 2015-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No