Date Received: 2015-09-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Several years ago I was granted a mortgage modification from Indy Mac Bank. Everything was great. Then my loan was sold to Ocwen Loan Servicing LLc . After several months they added XXXX in past due fees from the time during my modification process. When my modification came thru I needed to pay my new mortgage payment for 6 months ( I think may have been XXXX ) and then my mod would be complete no further charges or fees. How is it possible that 3 years later there are charges. Everything was rolled into the loan and I was in good standings with Indy Mac. now I have and additional fee that I do n't owe.
Company Response:
State: NY
Zip: 11731
Submitted Via: Web
Date Sent: 2015-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I a made a mistake in XXXX of 2015. I did not receive an email acknowledging recept of my payment. Stupidly I made another payment and when I realized my mistake I tried to fix it immediately that did n't work so the second payment bounced. It has been 4 months and they are still not accepting payments from me. They are hitting me with all kinds of charges. I spoke to them and mailed the amount they told me to mail and they received it 2 days late and they returned it to me. I have been trying to 4 months to just pay my mortgage
Company Response:
State: NY
Zip: 11731
Submitted Via: Web
Date Sent: 2015-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-14
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have submitted a complete application for a loan modification to the servicer, Ocwen, on numerous occasions to the present. I have received from Ocwen letters dated XXXX XXXX, 2015, and XXXX XXXX, 2015, denying my application for a loan modification. I timely appealed the denial. To date, Ocwen has not responded to my appeal of the denial, and as such, no foreclosure sale date can be scheduled pursuant to the CFPB. Pursuant to 12 C.F.R. 1024.41 ( g ) ( 1 ), if a foreclosure action has already been filed and it is more than 37 days before a foreclosure sale, and the borrower submits a complete loss mitigation application, a servicer can not " move for a foreclosure judgment [ including a dispositive motion like a motion for default judgment, on the pleadings or summary judgment ] or order of sale or conduct a foreclosure sale until there has been a final outcome of the decision process for the loan modification. " The CFPB requires that the appeal must be reviewed by different personnel than those responsible for evaluating the borrower 's application. And, within 30 days of the borrower making an appeal, the servicer must provide a notice to the borrower stating the servicer 's determination of whether the servicer will offer the borrower a loss mitigation option based on the appeal. Id. at 1024.41 ( h ). Ocwen, profoundly ignoring the CFPB, is dual-tracking me in order to foreclose on my home, going so far as to schedule a sale date of XXXX XXXX, 2015.
Company Response:
State: MD
Zip: 21015
Submitted Via: Web
Date Sent: 2015-09-15
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-14
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: For the past 4 months, my mortgage company has returned payments for XXXX accounts I have with them because there was a past due amount that I did n't know about and therefore my payments were not enough to cover. I spoke with a rep with the mortgage company on XXXX XXXX to try to come up with a plan to get caught up. We set up a 5 month payment plan, verified the first payment amount, and he made sure I had the receive code to send the first payments through verified funds. When I was having trouble sending the payments, I called OCWEN and was told that the payment plan was not actually set up, that a manager call back was scheduled ( that I was not told about ) and that both properties are now in foreclosure status. In addition, there has been someone going to the property I rent out and harassing my tenant, telling her about the mortgage being behind, and telling her they would go out there every month until the debt was paid.
Company Response:
State: CO
Zip: 80923
Submitted Via: Web
Date Sent: 2015-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage, originally with XXXX, has transferred owners and servicers numerous times in the past few years. It has been owned and/or serviced by XXXX, XXXX XXXX XXXX, Ocwen and XXXX ; all of which have each reported negatively, individually and separately in the different credit bureaus. Thus, rather than appearing as XXXX negative Mortgage in my credit, the different bureaus report the same account negatively with the various Mortgage owners and/or servicers in the XXXX different Bureaus. This repeated negative reporting, without a doubt, has had an enormously harmful negative impact on my credit. Although this is of great concern to me, the reason for my complaint is because Ocwens deliberate intentions to defraud consumers and the DOJ. In early XXXX 2013, I received a letter from Ocwen, dated XXXX XXXX, 2013. The letter stated that I had been approved for Trial Loan Modification Offer. It detailed an unbelievable balance reduction and an exceptional reduced interest rate. The Offer required that I make XXXX consecutive monthly payments and after I completed the XXXX trial payments, I would receive the official Mortgage Modification documents to be signed, notarized and returned to Ocwen. As you can imagine, I was ecstatic!!! I thought that I had won the lottery, without even playing. I had given up on trying to work with XXXX, XXXX XXXX XXXX, XXXX and now Ocwen, because I had been so unsuccessful in the past. So, I naturally wondered how something so perfect could have ever happened. However, as I read the letter and the terms of the Trial offer, I quickly realized that something was awfully wrong. The letter from Ocwen, dated XXXX XXXX, 2013, required that I make my first trial payment by XXXX XXXX, 2013 ( 24 days prior to the date on Ocwen 's Trial Modification letter and over I month after I actually received their letter ). At first, I believed that Ocwen had made an honest mistake and I immediately called them. I advised them of the discrepancy between the dates on the letter and the dates of the payments. The representative advised that the Trial Offer was correct, that my first payment was late because it was due by XXXX XXXX, 2013. I explained to him that the letter was received after XXXX payment was due. So far, I have attempted to address this issue with the Ocwen Rep, who insisted that the letter date was not the issue. Because my payment was not received on time, Ocwen would not honor the " Blind Offer. '' I then attempted to address the issue with the Bank 's previous Attorney and the Bank Rep when we took their depo months ago and again last month when the Banks new Attorney took my deposition. All attempts of resolving the issue were unsuccessful. Now, I strongly believe that Ocwen never had any intentions of honoring the Modification offer and reduction and that they willfully acted maliciously. I am aware of the agreement, sanctions and settlements between Ocwen and the DOJ. I am aware that part of the investigation and findings against Ocwen led to a substantial settlement agreement in which Ocwen had a substantial quota to meet with terms of offering a certain number of Modifications and principal reductions in order to be in compliance. I now believe that Ocwen and XXXX XXXX XXXX acted in bad faith and that they deliberately sent this letter out to me, as well to a large number of consumers, in order to show that that they were complying ; although they really had no intentions of honoring their offer. This leads me to wonder ... exactly how many of these bogus offers did Ocwen send out? How many more victims are there out there? We go to trial in XXXX and I am at risk of loosing my home, although I am able, willing and prepared to make the monthly payments that were offered to me by Ocwen, but I was never given an opportunity to fulfill.
Company Response:
State: FL
Zip: 33016
Submitted Via: Web
Date Sent: 2015-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-14
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I had a foreclosure back in 2011 with Ocwen Loan and they sold the loan back at that time as well but they have continued to report the foreclosure as if it is a current foreclosure instead of the correct date of last action for them which is XX/XX/XXXX2011
Company Response:
State: FL
Zip: 34109
Submitted Via: Web
Date Sent: 2015-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-14
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: we had a mortgage with Homecomings Financial back in XXXX and in XXXX we became delinquent on the Mortgage. First delinquency was XXXX XXXX. By XXXX we received threatening letters and by XXXX XXXX we got a Letter of Default from Homecomings. Throughout XXXX we were delinquent but because we were frightened by worked hard to pay what we could. In XXXX XXXX Homecomings Financial transferred to GMAC. GMAC took a final payment from us and applied it XXXX XXXX XXXX then reset the clock for our first delinquency as XXXX XXXX XXXX. After that they started foreclosure proceedings even though we were attempting loan modification and short sale. By XXXX XXXX they foreclosed. Ever since they have counted seven years from XXXX XXXX as if that is our first delinquency but it is NOT. We are now actually almost eight years past first delinquency which was XXXX XXXX. But GMAC went bankrupt in XXXX. The credit agencies will not respond to our multiple disputes ( more than XXXX ) and GMAC is not reachable. We can not buy a house or borrow money. The foreclosure remains on record and the credit reporting agencies continue to reject our requests to delete the account from our record now that seven years has past. Now they are saying it will go off record seven years after the last activity which is the last time GMAC forced money out of us. That can not possibly be legal. We need help. There is no way foreclosure can stay on your record for ten years just because GMAC is bankrupt.
Company Response:
State: CA
Zip: 95120
Submitted Via: Web
Date Sent: 2015-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: After my Chapter XXXX was finished, my first payment to Ocwen was due XXXX 2015 for {$1300.00}. Ocwen will not accept my payment stating that I had late payments due. According to Court documents from the Trustee of the Bankruptcy I no longer was in arrears with Ocwen and I was to resume my monthly payments. I set up for automatic draft withdrawal and on XXXX/XXXX/15 I received notification from Ocwen that the withdrawals would begin on XXXX/XXXX/15. I recently changed the date of withdrawal to be on XXXX/XXXX/15. On XXXX/XXXX/15 I received another letter from Ocwen stating that the systematic withdrawal would be discontinued because the loan was past due. I check my account online and they are claiming I owe them {$4200.00} in late payments. I am tired of dealing with this company. I will not call them because I feel as though they do n't know what they are doing, and it 's very difficulty to communicate with them. I have worked hard for 2.5 years during this bankruptcy to catch up and make sure I was able to keep my house. Now again I am facing the same problems I faced 3 years ago. Why this company is still in business is beyond comprehension.
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2015-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been charged thousands of dollars in Property Valuation nad Inspection Fees from Ocwen. These fees have been ruled illegal and predatory, and I want a refund from Ocwen for every single time they charged me for each Inspection and Property Valuation fee. They have also charged me up to SEVENTEEN TIMES in ONE month for " Certified Mail '' fees and I want a refund on those. They have even charged me a couple months ago for fees they say were for 2012! They said unless I paid the fees they would declare my account LATE.
Company Response:
State: TX
Zip: 77520
Submitted Via: Web
Date Sent: 2015-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX XXXX, I was notified by my home flood insurance carrier, XXXX XXXX, that my flood insurance policy has expired. The policy has expired because my mortgage company OCWEN mortgage has not paid the policy out of escrow ( as they 've been directed to do and as they 've done in the past ). In talking with XXXX, the agent mentioned that this is a standard of practice- that several mortgage companies will wait until the grace period deadline to pay. His statement was that OCWEN is notorious for waiting until the last minute. That means- if I have a flood anytime until the policy is paid, I am not covered. This is unacceptable- and should be criminal. OCWEN says they 're unable to pay because they have not received the invoice from XXXX. XXXX says they 've faxed the invoice several times- 60 days, 45 days prior, XXXX XXXX and XXXX XXXX. The XXXX agent mentioned that he has noticed that XXXX in the past 18 months- is constantly changing e-mortgage clauses, fax # s and PO boxes. This seems to be a convenient method to deceive customers and avoid responsibilities. It also signals to me that OCWEN may not be solvent. I 'm continuing to work with both OCWEN and XXXX and hope to resolve things sooner than later. I think OCWEN is utilizing deceptive business practices and I request an investigation.
Company Response:
State: NC
Zip: 27517
Submitted Via: Web
Date Sent: 2015-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No