Date Received: 2015-09-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Last week I sent a joint check ( myself and lein holder ) for approximately {$19000.00} XXXX insurance claim ) and other required documents as detailed below for roof replacement ( due to hail damage- XXXX XXXX, 2015, though no current leaks XXXX on my home to my mortgage company OCWEN XXXX The web-site under frequently asked questions only required the following, under thier " Frequently Asked Questions Main Menu : InsuranceQ : Who do I contact in order to file an insurance claim, as my property has been damaged? A : You must contact your insurance carrier 's claims department in order to file the claim. If you require guidance or assistance in filing the hazard insurance claim, you may also contact Ocwen 's Insurance Loss Department at XXXX XXXX XXXX XXXX Monday - Friday XXXX - XXXX Q : I just received an insurance claim check made payable to XXXX myself and Ocwen. What do I do? A : If the hazard insurance claim check is under {$10000.00} and your loan is in a current status, Ocwen will simply endorse the check upon receipt and return it to your attention so you can make the necessary repairs to the property. If the hazard insurance claim check is over {$10000.00} and/or the loan is delinquent, we will be required to monitor the repairs and the endorsed check will need to be sent to the Insurance Loss Department along with the following documents so we can assist in monitoring the repairs.. Contractor 's ProposalInsurance Adjuster 's ReportEndorsed Claim Check Without these documents we will be unable to process the hazard insurance claim check and assist in monitoring the repairs to your property. Ocwen understands that this can be a very difficult time for you, especially after experiencing a loss to the property. As such, we have a toll-free number set up to assist you with this process. Please contact Ocwen 's Insurance Loss Department at XXXX XXXX XXXX XXXX Monday - Friday XXXX. - XXXX My problem is that after I sent the XXXX itemized documents, endorsed check XXXX my signature ), signed roof proposal, and insurance adjusters report. In addition in the mailing, provided plus a notarized building permit application ( between myself and XXXX XXXX XXXX XXXX XXXX ( a 30 year FL XXXX contractor licence # XXXX ) who does not use sub-contractors. The roof replacement proposal is straight foward at a cost of {$12000.00}, which I believed to be fair for the work and ultimately not require my insurance company paying out the full claim amount. In response to this submmision to OCWEN, which they recieved yesterday on XXXX XXXX, 2015, they unfairly and quite frankly defaulted on the above noted document request and emailed me a XXXX page " monitoring '' document, which is very complex and filled with additional undisclosed document and contract requests of me and the contractor and very likely an unidentified third party. Had this additional burdensom volume of additional information, agreement, and other requirements had been disclosed it is very likely that a contractor would have raised the roof replacement costs associated with the transaction. for example, of XXXX other companies who had patrolled my neighborhood looking for storm related roofing opportunities, XXXX provided a proposal of {$17000.00} for the same job and is not the contractor ( uses sub-contractors XXXX to perform the work. It is inconcievable that OCWEN now requiring me to sign contracts and include the selected contractor to possibly go against my insurance company for additional money perform this repair. This is difficult enough and most certainly will increase my property insurance costs as I have never before in my life filed a claim against an insurance policy for home repair. The insurance company is threatening to cancel the policy, for failure to complete what it has paid for and I ca n't take more time off work to ahndle this now
Company Response:
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2015-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing LLC has refused to release my property title despite the fact that I have made all the payments outlined by the Promissory Note. I have made several attempts to resolve this matter with Ocwen and all I have received is inconsistent information. The last time I spoke with A Consumer Account Analyst, XXXX XXXX XXXX XXXX who pointed out to me that Ocwen is using a different method to calculate the interest and apply the payments made than what is included in the initial agreement as specified by the Promissory Note. She indicated that she would speak with her supervisors/managers with the goal of resolving this matter but we have since only received a letter threatening us with foreclosure. The loan we took out against this property originated with The XXXX/Consumer Finance XXXX XXXX we made the XXXX payments as outlined by the Promissory Note and expected to get our title but this has been held by Ocwen and they have not been willing to outline clearly the rationale for the amount they are alleging we owe. We desperately need your help. We can not afford to get an attorney at this time because of our employment status. If there is a ligitimate basis for some amount owing all we are asking Ocwen to do is to point it out to us so we can understand and we will honor our obligation as we have been doing since our XXXX payment XX/XX/XXXX through XX/XX/XXXX Please help us, we do not want to loose our home that we have worked so hard to finally pay off.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2015-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. It was confirmed in XX/XX/XXXX. My Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX was included in the bankruptcy. The bank was allowed payments under the plan of XXXX. I began making payments in XX/XX/XXXX. Up to this date there was no problem with my credit reporting. In XXXX I received a letter informing me that Ocwen was my new servicer and to start making payments to them, which I promptly began doing. I was under the impression that everything was going perfectly with my reorganization for the next year an a half. I had kept everything on time with my bankruptcy never making any late payments to any of my creditors. I then began the process of trying to get another mortgage. It was declined because Ocwen was reporting fluctuating, with no apparent pattern, consistent late pay of XXXX day. It also showed that it was a closed account, but that I was still paying late. Nothing made sense, yet they insisted they were reporting correctly. It ruined my credit at the time and I was denied the mortgage solely because of this misreporting. I promptly disputed with all three credit reporting agencies. I was informed that Ocwen had confirmed that it was being reported correctly and my only option at that point was to contact them. I called Ocwen. They confirmed that were are no missed payments but said there was nothing they could do. Finally after making a complaint to the cfpb they offered to correct the misreporting and to take any negative information off of my credit reports, which they did at the time. I recently pulled my credit and my score was lower than it should have been, given the fact I have never been late on any payment since the confirmation of the chapter XXXX. This was in part because Ocwen was reporting past late but current which is still derogatory. I felt that it could be just an oversight and asked the for the account to be corrected. When I got the investigation results back, once again Ocwen is fraudulently reporting the same thing they were reporting the last time before they " fixed '' the problem. My credit score immediately dropped XXXX points. The representatives have said there is no one to call, if I wanted them to look into it I would have to fax information and wait for a response. I asked to be sent an email to that effect and was told under no uncertain terms will Ocwen communicate via email. I am at my wits end. I have done everything required by me and have abided by all of the guidelines set forth by my Ch XXXX, yet Ocwen, even though I have paid as required has found a way to continue to defraud the system to continually ruin my credit. To date, because of this misreporting by Ocwen which apparently they are not offering any way for it to ever be permanently fixed, I have been turned down for a mortgage and as well I have been declined a loan for a car. I have provided documentation proof of the misreporting on my credit, my bank roster showing consistent payments, and the bankruptcy treatment for this loan as per the confirmed plan. In closing I would appreciate any help you could possibly give to finally clear my credit of the false late pay reportings. I have provided documents, however, I can provide you with any further documentation that you need.
Company Response:
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2015-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: failure to provide mortgage statements for the past three months.
Company Response:
State: SC
Zip: 29687
Submitted Via: Web
Date Sent: 2015-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I applied to my mortgage servicer, Ocwen Loan Servicing LLC, for a loan modification XX/XX/XXXX as was laid off XX/XX/XXXX. Ocwen would not consider this until I was officially behind in my loan payments. After four attempts, the loan was modified XX/XX/XXXX, with a XXXX trial payment due XXXX XXXX. I was told NOT to make any loan payments until the trial period started. This resulted in Ocwen reporting me as 90 days late on my mortgage. This is in addition to the 60-day lates that were mandatory for me to be considered for a modification. Now I am unable to sell the home and purchase a much cheaper XXXX, as the late payments have ruined my XXXX score and made me ineligible for any type of new mortgage. My request is that Ocwen contact all major credit bureaus and remove all of my late payments for the last 12 months. I suspect it was illegal for Ocwen to insist that I let my loan go into arrears to qualify for a loan modification, and now I am trapped in a home I can not afford, even though I have opportunies to sell and pay off Ocwen 100 %.
Company Response:
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2015-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-08
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: On XXXX XXXX 2014 my wife and I applied to Ocwen Loan Servicing , LLC in regards to our home mortgage, to have our PMI removed. We met all XXXX required points : 1. current on our loan. 2. No late or missed payments in the preceding 12 months or 60 or more days late in the preceding 24 months. 3. Proof that our property had not declined in value since the loan origination [ Appraisal from a certified appraiser that met the minimum requirements on the Loan-To-Value threshold of 80 % or less ]. 4. Submitted written request. Ocwen subsequently, rejected our request, we feel, unfairly!
Company Response:
State: SC
Zip: 29466
Submitted Via: Web
Date Sent: 2015-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have not been able to get an in-house loan mod from Ocwen Fl. I have been working with Keep Your Home California and they have approved me XXXX already for their mortgage reinstatement program as well as assisting me for XXXX months with my mortgage payments and property taxes and HOA dues in arrears. All of this financial assistance is conditional upon Ocwen working with KYHC and granting a new loan mod that would finally make my fluctuating mortgage payments much more affordable and predictable. Ocwen has XXXX refused to cooperate with KYHC and had me go through their Request for Modification Assistance program XXXX even though they had apparently previously decided that my loan would never become eligible for an in-house loan mod. This goes directly against their signed {$2.00} billion agreement stating that they would no longer engage in a dual track system. Furthermore, Ocwen is claiming that since my loan was bundled into an MBS package, that it therefore precluded me from ever requesting an in-house loan mod. However at the time of the signing of my then my new loan agreement in XX/XX/2005, it was never disclosed to me during the loan disclosure session that I was now disqualified from ever asking for an in-house loan mod. Therefore, my contention that their repeated statement that they were unable to grant me an in-house loan mod because the amorphous and unaccountable investors do not agree to a new loan mod because the MBS bundling protects them from these types of requests is illegal and a direct violation of the Homeowner 's Bill of Rights since I was informed at the time of my loan doc signing that there was no reason to ever be ineligible for an in-house loan mod. My loan is very unreasonable and predatory at 7 % above LIBOR. I was never informed on what a LIBOR rate was and I trustingly signed the loan docs without deeper investigation. My ARM has fluctuated by up to $ XXXX+ more/month. I am on XXXX and all I am asking for is an affordable loan mod in cooperation with Keep Your Home California ( HAARP ) program.
Company Response:
State: CA
Zip: 908XX
Submitted Via: Web
Date Sent: 2015-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Dear XXXX, my complaint against Ocwen has XXXX issues : A ) No paper statements for several months in various episodes, B ) No online access to my account, C ) Late fees charged several times on purpose and for no reason/excuse.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-08
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Complaint number XXXX was filed with your office regarding a new loan that Ocwen disbursed on my account that was requested by me, I never signed the loan documents and apparently did not get the credit for the loan disbursement dated XXXX/XXXX/XXXX in the amount of XXXX. When Ocwen responded to complaint number XXXX they did not address the loan disbursement or the new loan number XXXX. We have asked Ocwen 's foreclosure attorney to validate the debt that it is attempting to collect on Ocwen 's behalf and they have failed to do so to date. The only response that was received was a copy of the XXXX Mortgage Promissory note a copy of the deed of trust and the order permitting the XXXX XXXX, XXXX foreclosure. We asked for amounts claiming owed to the foreclosure attorney and we did not receive a response. The foreclosure attorney, through a XXXX XXXX XXXX notified me that the sale scheduled for XXXX XXXX, XXXX will be held. To date XXXX and XXXX 's website shows that the sale will be be held tomorrow XXXX. We have no information regarding the validity of the loan disbursement and requests for payments related to loan number XXXX. A representative in Ocwen 's office informed us today that the Ocwen as the servicer is the same as the creditor and that the loan disbursement was paid by the previous servicer when the loan was transferred.
Company Response:
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2015-09-08
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Financial continues to call me numerous times per week despite asking several times for them to not call me regarding my mortgage loan unless I am late. I have never paid a mortgage payment late but they insist on calling several times a week to tell me my account is past due even though they know I pay it the XXXX of the month and my statement says it is not due until the XXXX. They call repeatedly until I answer while at work and then continue to call even after I tell them what day I will pay it ( again, ALWAYS before the actual due date ).
Company Response:
State: OR
Zip: 97045
Submitted Via: Web
Date Sent: 2015-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No