Date Received: 2015-09-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Due to a change in circumstances, my house was in default and I received funds from the Obama save the dream program ( Ohio XXXX ). I was given {$15000.00} and it was supposed to be applied to bring my payments current. My mortgage company, XXXX XXXX or its assignee, did not apply this money properly to my mortgage account. They have been unable to give a proper and complete payment history. My home has been in foreclosure court XXXX different times due to this in XXXX, XXXX, XXXX. The cases in XXXX and XXXX were dismissed by the bank because they could not produce the evidence needed to support the payment history. In XXXX, was dismissed with, the magistrate advised the mortgage company to get the payment history corrected. My atty and I have repeatedly asked for the funds to be applied correctly with correct payment and payment history amounts. This has not been done. Court : Case # XXXX Filed XXXX XXXX, XXXX : Case # XXXX Filed XXXX XXXX, XXXX : Case # XXXX Filed XXXX XXXX, XXXXWhat we would like to see happen ; that would be in favor of all involved ; would be a correct payment history, reversed interest and late fees for the period of time I did n't have the corrected payment history, then modify the loan to allow me to make regular and reasonable monthly payments.
Company Response:
State: OH
Zip: 43537
Submitted Via: Web
Date Sent: 2015-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen has done XXXX things I would like reviewed. However, I did agree to XXXX of them. The following are my complaints:1 ) Credit Reporting - Ocwen promised, verbally, that negative reporting information would be removed from my credit reports. They cleared up a portion, but they are still reporting several months as 180 days delinquent. 2 ) Foreclosure Fees - Ocwen promised, verbally, that they were waiving the foreclosure fees. They have not and it is more than {$3400.00}. 3 ) Interest Rate - Ocwen offered and I accepted 4.25 %. This rate is still too high and I have requested multiple times that Ocwen reduce the rate to 2.0 %.
Company Response:
State: FL
Zip: 30248
Submitted Via: Web
Date Sent: 2015-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have already filed complaint # XXXX which has been closed with no satisfactory resolution.My continued complaint will be attached
Company Response: Company chooses not to provide a public response
State: UT
Zip: 84088
Submitted Via: Web
Date Sent: 2015-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: It appears that Ocwen has overcharged my escrow account for the year XX/XX/XXXX. This mistake was noted by Owen months ago and can be reflected as a 'Credit ' on the record. However, it appears the amount was not subtracted but rather doubled as now I 'm being made to pay for an advance despite the cushion charge ... Below are records for the redundant flood-insurance charges and dates made by Ocwen to my Escrow account : Insurance Credit-Lender placed Flood Insurance Escrow Account XX/XX/XXXX $ XXXXInsurance Disbursement-Lender placed Flood Insurance XXXX Lender Placed Insurance XXXX XX/XX/XXXX $ XXXXInsurance Disbursement-Flood Insurance XXXX OF FL XXXX XX/XX/XXXX $ XXXX that the first charge above does not show an account number but does show it as a credit, however the balance does not reflect that. This was similar to an issue that happened last year when Ocwen double-charged my escrow account for hazard ( home-owners ) insurance ( see case # XXXX ). That issue of the hazard insurance double-charge was resolved without explanation of why it happened ... Note that my true flood insurance expires in XX/XX/XXXX and Ocwen has already made that payment. Below is a record of the transaction : Insurance Disbursement-Flood Insurance XXXX XXXX XXXX XXXX of FL XXXX XX/XX/XXXX {$1500.00}
Company Response:
State: CA
Zip: 95131
Submitted Via: Web
Date Sent: 2015-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-19
Issue: Settlement process and costs
Subissue:
Consumer Complaint: As stated in the past my father has been a victim of many kinds of theft, theft of property mostly while being harassed for the last 42 years plus as well his mother and father before that. New developments have come to light that OCWEN Mortgage services has been involved with XXXX XXXX XXXX in the matters before the Supreme Court Washington State involving XXXX Original Orient District Free Hold, whereas the Counties and the Lawyer 's as well as the Courts, Banks and Document Holding Companies are allowing this to happen based on lies and deceit of fraudulent XXXX as Documentation to induce Forefieture by way of XXXX and XXXX XXXX et. seq. illegally, XXXX XXXX ; XXXX is the Victim and has paid for all these properties several times being tricked by title company XXXX XXXX XXXX and also others listed above in thinking he was in debt so far never to recover and only way was to sell then refinance as to asset was already paid in full and use equity in favor of other parties committing fraud against the consumer and creating fraudulent documents in pairs or triple document sets only altering and only giving partial disclosure to all involved, Now the XXXX XXXX XXXX has said XXXX is the Insured yet no one allowing coverage to the insured customer and without access to the property because of thugs and harassment, i.e XXXX XXXX assaulted by many at store in XXXX someone unplugs phone during call to XXXX and Officers tell XXXX XXXX and XXXX to stay off property they own because of fraudulant paperwork a lawyer did, still to this day after filing a law suit no help, courts have administratively stayed this matter but never mandated to lower courts because of dishonest Lawyers and Title Companies. Also Title company XXXX states XXXX sold these properties but they were refinanced XXXX/XXXX then sold without XXXX XXXX and XXXX had complained as much as anyone could legally about fraud to bank and others involved. XXXX has been Maker since XXXX according to developments forwarded to CFPB and being The Insured even to the Original Purchase of XXXX funny Dad and us did n't buy the property till XXXX and payed out the ear after gifted to my dad from my step mother XXXX XXXX? This is the tricks these companies pull with judges, lawyers, clerks, and congressmen and weman, i.e XXXX XXXX is allowing this to happen he has been contacted numerous times and ignored also said it 's OK to HIT AND RUN with a Suspended License and Assault with a Vehicle a XXXX man if you or your parents work for the XXXX XXXX will help otherwise DIE & XXXX
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I pd off my mortgage to Ocwen on XXXX/XXXX/2015, in payoff was added for escrow, butthere was escrow bal. taxes for XXXX had been pd. Now XXXX 2015 I have n't gottensatisfaction letter ; taxing agency has not gotten release of lein ; refund of escrowbalance & there is a derogatory comment on my credit score, even though I have n't been late in yrs. I have talked to them ; had ombudsman, now I 'm threatening them with legal action. I ca n't get anywhere w/them. Tax bills come due in XXXX & I 'm wondering what the hellwill happen. What a bunch of yaahoos.
Company Response:
State: TX
Zip: 77303
Submitted Via: Web
Date Sent: 2015-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: XXXX XXXX is attempting to collect a debt that was discharged in Federal Bankruptcy Court three years ago. They have also placed false, negative information on my credit report.
Company Response:
State: FL
Zip: 33026
Submitted Via: Web
Date Sent: 2015-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-19
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been battling Ocwen for my home since XX/XX/XXXX. I have been scammed by XXXX attorney for {$2000.00}, and spent the last 2 years trying to negotiate a modification with another law firm for a total cost of {$16000.00}. The year before I hired them, I had tried to deal with Ocwen directly on my own, and had no results. I have had numerous encounters with Ocwen and have been passed between a total of XXXX 'relationship managers ' all promising if I comply with their particular required documentation I would receive a modification on my home. During this time I offered to make payment until modification was complete, they refused. At that time I was in a position to start paying monthly payment and any arrearage on a modified loan. Now there is no hope for me catching up. In XXXX of this year Ocwen filed a 'Notice of Default ' and started the foreclosure process while the property was still being considered for modification. There by engaging in 'dual tracking '. This came at a time whe the real estate market in my area had dramatically increase in value. Once they became aware of that they filed. By then, foreclosing would gain back the {$100000.00} in arrearage accumulated over the time they stalled and would not have to offer me a reduction of loan principal. At one point the house was {$200000.00} underwater ( documented ) and now it 's not. During this time I have actively increased the value of my home that was in total disrepair after my now ex-husband left and have documentation to that effect. They are also aware of this because they have sent a property inspector by each month to check on the condition of the property and have charged me for that also. I have been terrified of losing my home of 30 years and income I derive from it. I will become homeless and so will my daughter, a single mother, and my granddaughter. There is no possible way we can afford living in XXXX XXXX if we loose our home. This is where she and my other daughter grew up. I 've always worked here and now we both work here and I also volenteer. If forced to move we will also loose the income of our small local business. I asked my attorneys to file a law suit to stop this process and have spent many months biting my nails waiting for them to file. I am now in possession of the Final Draft of the lawsuit that is waiting for my approval. If I agree with this lawsuit, I will be bound to new costs and new billings which I do n't believe I can afford.The Complaint is for the following:1. Constructive Fraud2. Statutory Violations3. Promissory Estoppel4. Negligence5. Negligent Misrepresentation6. Intentional Misrepresentation7. Violation of business and professions code section XXXX, etseqI will forward a copy upon request. I believe the loan that my husband and I received in XX/XX/XXXX refinancing our home was illegal from the beginning. It was with brokered by XXXX XXXX in XXXX, now under Federal investigation for fraud ; never had an appraisal ; never had full disclosure of the now illegal negative amortization loan payments ; had no direct lending institution to speak too and was processed and owned by XXXX until they sold it to someone else ( now illegal in some states ) ; and considered a XXXX loan also of questionably legal ; Title Company negected to have me sign the note even though I was on Title and th Deed of Trust. This has been a living nightmare and one that my ex husband could not live with. I am asking for help to unravel this mess and allow my daughter, my granddaughter and myself to live in peace in our home.Thank you. XXXX XXXX
Company Response:
State: CA
Zip: 94941
Submitted Via: Web
Date Sent: 2015-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: this acct was a result of identity theft and still reports on my credit report i have obtainted reports and notarized statement of id theft ftc complaint
Company Response:
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2015-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My XXXX mortgages were service transferred from Ocwen to a new servicer as of XXXX XXXX, 2015. I did not receive any notice of the transfer from Ocwen. My payments for all XXXX mortgages were sent via electronic transfer to Ocwen from XXXX XXXX XXXX my account ) on XXXX/XXXX/15 and were received by Ocwen on XXXX/XXXX/15. I called Ocwen to confirm that they received my payments and they are telling me that they have no record of the transfers to them as of XXXX/XXXX/15. I went to my bank and confirmed that the payments were sent and they were definately sent to Ocwen. Ocwen keeps telling me that they can not tell me where my money is even through they have had it for over XXXX hours in their wire transfer account.
Company Response:
State: PA
Zip: 19047
Submitted Via: Web
Date Sent: 2015-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No