Date Received: 2015-08-31
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I was subjected to a fraudulent closing on a bank note with XXXX XXXXon XXXX XXXX. AFTER XXXX GMAC and XXXX XXXX all got involved. I filed TILA lawsuit XXXX in Fl. XXXX Circuit, and GMAC XXXX XXXX filed case XXXX, and OCWEN later allegedly tried to purchase mortgage servicing rights, but was stopped by Consent Orders with the US Treasury, Federal Reserve, and your office. All the issues that created your office came from me and others like me with XXXX XXXX complaints.Today I was subjected to an illegal judgment to sell my home, AFTER these consent Orders, especially on XXXX XXXX. So I want you to intervene with an XXXX XXXX by your attorney or stop them from the proposed XXXX XXXX sale.
Company Response:
State: FL
Zip: 33993
Submitted Via: Web
Date Sent: 2015-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-30
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: On XXXX XXXX, XXXX, we closed our mortgage with XXXX XXXX. On XXXX XXXX, XXXX, XXXX XXXX personally visited a XXXX XXXX branch in XXXX XXXX, Florida, to make the corresponding mortgage payment. After seeing the bank teller searching and inquiring about our loan, XXXX XXXX was told that we did not have a mortgage account with the bank. After speaking to a bank officer we were given very limited information, simply that our mortgage had been " transferred to another mortgage institution. On or about XXXX XXXX, XXXX, we received a letter stating that the servicing of our mortgage loan had been transferred from XXXX MORTGAGE? ( we had never done business with XXXX ) to Litton Loan Servicing LP. After, a few months of doing business with Litton, our monthly mortgage payment continued to consistently increase. It became obvious that we were the victims of a predatory mortgage. The victimization done to us by Litton had a very significant impact on our family. This Litton loan mortgage, that we had never signed for nor agreed to was now causing significant adverse impact on our lives. The mortgage was inappropriate for our financial situation and grossly over-priced. Although, we attempted to negotiate with Litton on multiple occasions to develop remedies to the situation, their lack of flexibility and insensitivity to our needs, proved this an impossibility. Litton 's purpose was to foreclose on our property. We were advised by a financial counselor to seek legal assistance concerning our mortgage. My wife and I hired an attorney, in an attempt to negotiate a mortgage agreement with Litton. After approximately two years, of negotiation and paying approximately {$27.00}, XXXX to above referred to attorney, an agreement was not reached. In addition, to being victims of predatory lending practices from XXXX XXXX, and Litton Loan Servicing we were also misrepresented by the law firm hired to negotiate with Litton. It is interesting to note that during the initial closing of our property on XXXX XXXX, XXXX, the final loan amount was {$400.00}, XXXX. Earlier, this year ( XXXX ) we received new loan mortgage documents from a company ; OCWEN, with a total outstanding loan mortgage amount in excess of {$750000.00}. Approximately in XXXX XXXX XXXX suffered a devastating XXXX XXXX. Around the same time XXXX XXXX XXXX, became unemployed. After the devastation caused in both of our personal lives, XXXX, separated and are currently undergoing divorce procedures.
Company Response:
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2015-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-29
Issue: Settlement process and costs
Subissue:
Consumer Complaint: On XX/XX/XXXX we took out a loan # XXXX with GMAC mortgage for {$300000.00}. On XX/XX/XXXX with did a refinance with GMAC Mortgage loan # XXXX. On the enclosed HUD statement a payment of # XXXX was made to " Internal Payoff to GMAC Mortgage ''. However per letter dated XX/XX/XXXX when they did the lien search it had not been placed on the property therefore they did not execute a release of Lien. However after that a lien was placed on the first loan that had already been paid off. The was recorder on XXXX XXXX page XXXX for the amount of {$300000.00}. This should have never been put on since it was paid off on XX/XX/XXXX as stated in the letter from GMAC. We are trying to get a loan and are unable to since the lien is still on our property. Since GMAC mortgage no longer exists I tried calling XXXX. They would not help me and gave me Ocwen contact. I called Ocwen and they also would not help me as they only have information on the Active loans. In addition the title company that serviced the refinance is no longer in business. We need help on who has the GMAC documents and can help provide us the release of lien that was paid off.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2015-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: i am filing a complaint against ocwen mortgage servicing llc because of my escrow account calculation are incorrect and they will not correct the issue. I have made serveral attempt to resolve the matter. I have request a complete audit of my escrow account since ocwen has taken over my mortgage account. I have done a calculation of my escrow account. and compared to there analysis. I will attach a copy of my calculation and there original analysis. the original analysis was done on XXXX XXXX 2015 and when I question the analysis the sent a second one XXXX/XXXX/2015 which was even had more errors and double billing and collecting.
Company Response:
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2015-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-29
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I got a mortgage having to put it under an LLC with XXXX who turned out was not licensed but the loan was a XXXX supposedly it was XXXX then XXXX then XXXX then XXXX XXXX who said they were not the mortgage holder. anyway I built a new building and got XXXX ' on on my LLCs property XXXX foreclosed and took my property purchased by XXXX XXXX XXXX I found out XXXX was owned by the loss mitigation director XXXX XXXX and Ocwen Financial Services which is conflict now they are trying to take my new building claiming they own the XXXX ' even though the deed is in my name. they signed the sale as purchaser XXXX XXXX XXXX VP a XXXX employee then assigned it to themselves from XXXX XXXX VP of XXXX I learned Ocwen Financial services was the straw buyer from a XXXX investigator these are all top officials who have been stealing property
Company Response:
State: IL
Zip: 615XX
Submitted Via: Web
Date Sent: 2015-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I refinanced my house in 2013 with Homeward which then sold the mortgage to OCWEN who then sold the mortgage to XXXX who has now merged with XXXX. That 's XXXX moves in XXXX years, an average of XXXX move per XXXX months. Each of these changes requires hours of work on the consumer 's part to insure that their mortgage payment is going to the correct company. Why are they allowed to get away with this? It is out of control!
Company Response:
State: AE
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: 2015-08-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We are very disappointed with the outcome of our complaint to your office ( complaint number XXXX ). We know now, we were victims of a predatory loan. The people who worked at XXXX XXXX XXXX XXXX in XXXX, PA, the office that prepared our refinancing in XXXX, were XXXX for fraudulently inflate mortgages. ( please read the article we found XXXX : XXXX ). We were unaware of this until many years later after our home went into foreclosure. We have also discovered the company they worked with XXXX XXXX ( whose name is on many of our refinance papers ) were also involved in the scheme. ( please read this article : XXXX : XXXX ). Also, our mortgage company now Ocwen, who took over our mortgage from GMAC, say our modified mortgage is not from the HAMP program which is not what we were led to believe. When we signed for the modified mortgage, we were told it is part of HAMP and we even wrote a letter to thank President Obama and we received a nice reply from him. Needless to say, we are very disappointed you did not follow up on our complaint as of this date. We are still underwater on our mortgage. Our modified mortgage is a principal of around XXXX but at the end of our 30 years we will still owe another $ 90,000+ which is so unfair. We will not rest until this is resolved. Sincerely, XXXX and XXXX XXXX XXXX, PA XXXX
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2015-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Mortgage - they were over charging me for escrow on property tax. Overcharging me in excess of XXXX a year. I contacted them and they promised to correct it and send me a refund. I was told it was handled. So I started paying what I thought was the proper/adjusted mortgage payment. As a result they charged me with " late payment '' with fees and it showed up on my credit report. This has been a negative mark on my credit. Finally after repeated calling they did take care of it and issued me a refund for overpayment. They never removed the credit errors of " late payment ''
Company Response:
State: WI
Zip: 53143
Submitted Via: Web
Date Sent: 2015-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-27
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Our office represents the borrower iin foreclosure and deed in lieu XXXX DIL ) representation. The borrower was unable to maintain her mortgage payments 7 years ago and was forced to miss payments. She moved out of the property and told the bank the house needed to foreclose. She could not sell or refinance the property because it 's nearly {$200000.00} underwater. Ocwen Loan Servicing is now the servicer for the loan. XXXX started contacting our office and the Borrower regarding foreclosure and DIL options. Our office confirmed that foreclosure and DIL could occur simultaneously as we needed the fastest result. The DIL application was sent to Ocwen on XXXX XXXX, 2015 and all additionally requested information was sent on XXXX XXXX. Ocwen confirmed receipt but XXXX did not review the file until XXXX XXXX. XXXX advised that the file was complete and she would send the file to an attorney. I was told the process would be done in 2-3 weeks. On XXXX XXXX XXXX tells me that the file has been preliminary approved, but that the file still was n't assigned to an attorney. She said once assigned would take 2-3 weeks. It was n't until XXXX XXXX, nearly three months after submission, that we were advised that the title report came back clean. XXXX put in a request to have the DIL documents drafted. On XXXX XXXX I called Ocwen and I was told no activity had occurred. On XXXX XXXX I contacted Ocwen again and was told by XXXX that the file was still with the attorneys and no documents had been sent. When I asked to confirm the Trustee 's Sale would take place on XXXX XXXX, she stated that the Trustee 's Sale had been put on hold. XXXX advised that Ocwen always put Trustee 's Sale on hold during DIL processing. XXXX then shared that the loan was being service transferred XXXX XXXX. On XXXX XXXX, I contacted XXXX XXXX phone number XXXX ) in the Ombudsman Office requesting assistance. He advised that he would reach out to the foreclosure department to check into reinstatement and would also reach out to the DIL department about status. XXXX did not call our office back until XXXX XXXX, at which time he stated that he could n't get an answer from either department. I asked him to escalate the DIL with the attorney 's office. He advised that the DIL department had already sent an escalation but he would initiate one as well. On XXXX XXXX, after failing to hear from XXXX, I called and left him a voicemail. He returned my call on XXXX XXXX, at which time he tried claiming that the bank 's attorney 's office sent the documents out on XXXX XXXX directly to the borrower, but did not have a tracking number or a copy of the documents. He also stated that the attorney 's office tried to contact the borrower directly in spite of the attorney representation our office has on file with the bank. This is a serious ethical violation if it occurred.I asked XXXX for the contact information for the attorney 's office so I could coordinate getting the documents, but after on hold for nearly XXXX minutes, XXXX advised that he could not find the information and would have to call me back. I stressed that time is of the essence as the transfer occurs in less than two weeks. Ocwen has engaged in intentional misrepresentation by advising that they would continue processing the foreclosure sale even while processing the DIL ( as we advised we wanted whichever could happen first ). Ocwen then spent 4 months inappropriately handling the DIL processing and application. Then Ocwen became blatantly dishonest by claiming to have sent documents that multiple individuals confirmed were never sent. This claim could not even be supported by tracking information or copies of the documents. Then they admit that Ocwen has continued trying to contact the borrower in spite of known attorney representation.
Company Response:
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2015-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-27
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Dear Sir/Ma'am, - XXXX 2014 we entered into the modification process with XXXX Mortgage and we were suddenly stop mid process and instructed to start the process fresh again with Ocwen. Over the years with XXXX we encountered endless loops of miscommunication and misinformation. This was very welcomed hopeful news to start a process with Ocwen but a personal setback to continue in this agony for my family. We were very hopeful concerning Ocwen and hope that this is was the answer to our hope and prayers to help keep us in the home we love with my wonderful family in need of financial relief. We endured 6 months of endless paper requests fulfilling every wish and need of Ocwen Loan Servicing XXXX # XXXX. - a few years back an unfortunate embarrassing event brought on by the demise of the housing investment market subsequently found ourselves in bankruptcy and we were struggling to remain strong as a family but we compiled our dignity back and have moved forward. As a result our marriage suffered but we struggled to rebuild our lives. I am a XXXX veteran. I have proudly put our children and family first and I have stayed employed at multiple XXXX jobs to allow our children to remain in our home we love. We were declined after an exhausting process due to having been through bankruptcy a few years back. Which we had respectfully pulled our family through and now face the next step which is our primary home we have been living in. This was a fact Ocwen new entering into the process and continued the process for 6 agonizing months to dismiss us suddenly based on us having been through bankruptcy. A plan that has been in place and following for over 3 years. They were well aware of this and we have the financial means now to continue with a modification.
Company Response:
State: FL
Zip: 33076
Submitted Via: Web
Date Sent: 2015-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No