Date Received: 2015-08-27
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: My home was damaged by fire in XXXX 2013, a claim was submitted to XXXX XXXX XXXX XXXX by Ocwen Loan Servicing, my mortgage company. The total amount approved by XXXX XXXX to cover the cost of the damages was {$150000.00} of which {$14000.00} was held back, and is still being held by XXXX XXXX as recoverable depreciation. Of the {$130000.00} that was disbursed to Ocwen, only {$100000.00} was paid toward the required repairs to my home. I have been trying to get Ocwen to release the remainder of the funds to enable me to complete repairs on my home, but to no avail, they are stating that all monies paid to them by the insurance company has been disbursed for repairs to the property. I even tried speaking with XXXX XXXX about releasing the recoverable depreciation to assist me in completing the repairs, but I am getting nowhere. I am currently paying the mortgage on the property that is not habitable. The other issue I am facing is that, in spite of the fact that the house repairs are incomplete, Ocwen is claiming that they have been sending inspectors to the property to appraise the progress of the repairs, and they have subsequently received a work complete report from their inspector, whose name remains a mystery. On another matter, I would appreciate if you would look into the work ethics of XXXX XXXX XXXX, also known as XXXX XXXX XXXX, they are the contractors whom I hired to do the repairs on my home, but they decided to take the insurance funds and not do the required work, incidentally, this was what drew my attention to the fact that Ocwen was withholding insurance funds. XXXX XXXX. XXXX XXXX, accepted and cashed checks by forging my signature.
Company Response:
State: NJ
Zip: 07065
Submitted Via: Web
Date Sent: 2015-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing of XXXX XXXX XXXX, XXXX XXXX TX XXXX -telephone ( XXXX ) XXXX. Fax ( XXXX ) XXXX. I have a mortgage from this organization. They have forced flood insurance on a property which does not require it. I have written on 4 occasions pointing out that the latest FEMA map shows the property outside the flood zone. OCWEN IGNORS ALL CORRESPONDENCE AND CONTINUES TO CHARGE FORTHIS UNNECCESSARY INSURANCE. This is surprising in a company which was the defendant in a class action law suit for forcing insurance and which settled.
Company Response:
State: TX
Zip: 78043
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: Back in XX/XX/XXXX, I started applying for modifications due to the fact that I lost employment. My mortgage company was IndyMac Bank d/b/a XXXX. There were several programs that were being developed due to the economy. I had completed several modification trial periods with the XXXX XXXX. After every trial period, the bank would literally send me correspondence stating the house was in foreclosure with a sale date. I would contact XXXX to figure out what was going on. They had me to do the modification process over and over again. Finally, my house was foreclosed on in XX/XX/XXXX. I had been contacting XXXX and XXXX regarding my loan for a good while and XXXX has an extensive phone log on me. I was put out of my house in XX/XX/XXXX by the XXXX. Before then I had contacted the Bank and they stated to me that there was no sale date on my account. These phone calls were made in XX/XX/XXXX and XX/XX/XXXX. I received the paperwork from the courts in XX/XX/XXXX. After being put out of the house, I started receiving paperwork from Ocwen Bank regarding a modification on the house. I contacted them and explained to them that the house was no longer in my name, It had foreclosed and I had gotten put out. They explained to me that they received this loan from XXXX XXXX and the house did not foreclose. I told them that I had not lived at the property in over a year. The paperwork kept coming regarding the loan. I contacted XXXX in XX/XX/XXXX. I spoke with a supervisor and she explained to me that the foreclosure was rescinded. She stated that XXXX XXXX contacted them and stated that they needed to investigate the situation because something was wrong. I was never informed about them rescinding the foreclosure. She apologized to me and stated that " we '' messed up and that the house was still my property and I could move back in if I wanted to. XXXX stated that I was in bankruptcy when they foreclosed so they had to rescind the foreclosure. If that is the case, they foreclosed on my property in XX/XX/XXXX not XX/XX/XXXX. The paperwork that was filed with the courts is fraudulent. They have since changed mortgage company again. It went from XXXX XXXX to Ocwen Bank now to XXXX XXXX. XXXX has since contacted me regarding a modification but the house is back into foreclosure again. Due to the fact that I was not in the property for a year. Ocwen Bank and XXXX XXXX has both stated that they did not know anything about the foreclosure. I do believe that XXXX has lured me back into the property to foreclose on me again. Once I moved back in the property, everything was taken out of the property. All the appliances were gone. I contacted XXXX and Ocwen Bank. They both were blaming each other but neither of them would replace the appliances. But they both are coming after me regarding payments and bringing the loan current. Now, XXXX is harassing me for all the past due regarding this property and the property is now in foreclosure status. Something has to be done regarding all this illegal transactions being done.
Company Response:
State: GA
Zip: 30213
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: Application, originator, mortgage broker
Subissue:
Consumer Complaint: This is in addition to my complaint filed earlier today. In addition to my previous complaint:1 ) Ocwen has never answered any of my issues in a timely matter. Every time Ocwen 's time to answer they respond by requesting additional time. And, each time the complaint has been similar still, they ca n't answer and resolve this issue in a timely matter. 2 ) Ocwen has never answered my first RESPA request. This is supposed to be answered within 30 days or be fined a min. of {$4000.00} for non compliance. Ocwen has never paid that fine to me. 3 ) Ocwen continues to mail me - through the U.S. mail monthly mortgage invoices which are not correct. I believe this is a federal crime and is punishable by {$5000.00} for each occurrence. Ocwen has mailed this to me at least XXXX times in the last year. Who is responsible for enforcing this law and how do I get them to pay up?
Company Response:
State: MO
Zip: 63011
Submitted Via: Web
Date Sent: 2015-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have filed numerous complaints since XXXX of 2014 concerning OCWEN loan service and still they have not taken this issue serious. I believe they are in collusion with my condo association and XXXX XXXX and/or the law offices of XXXX XXXX XXXX XXXX. Ocwen paid XXXX XXXX {$21000.00} from an invoice from XXXX XXXX XXXX which they, should not have. I had no notice of this until, Ocwen sent me my monthly mortgage invoice showing I now had a escrow of approx. {$21000.00} and in effect doubling my mortgage payment. When I called Ocwen I, was connected to their office in XXXX. They told me that they paid XXXX XXXX County for back real estate taxes and asked then why? They had no idea why. I called our county government to find out if they had in fact received any money from Ocwen for back real estate taxes and why. They lady I spoke with had no idea what I was talking about because I was never late on paying my real estate taxes and not owing anything. I then called Ocwen again and told them of my encounter with our county government and claimed they did not know who was paid this money. After weeks of speaking to people from XXXX and trying to understand them I finally spoke with someone who could speak understandable English and he explained that Ocwen had paid my condo association that money because of an invoice my condo association had sent to them stating that I owed them money for fines and fees associated with me alter my condo. This was in litigation at the time and no settlement had been approved yet. Ocwen knows this and still will not acknowledge that fact. Ocwen has ruined my credit, threatens foreclosure and claims they did nothing wrong. This is not so. Ocwen has a record of foreclosing on people and has been sued by the federal government for over XXXX XXXX dollars and continues to be sued by individuals and class action because of their unethical ways of conduction business. I, myself am in the process of litigation against them the condo association and possibly others. I am seeking closure in this issue and for Ocwen to repay me for my pain and suffering. And, to clear my credit rating which has suffered because of Ocwen and others. I am also contacting my U.S. Senators of the State of Missouri to look further into this matter and see what action they can take against Ocwen. Because of Ocwen, XXXX XXXX, my condo association I, am unable to even list my property for sale. Ocwen is overcharging me with approx. 7 % interest. Because of Ocwen 's reputation they have suffered in the stock market. They seen an all time high of about {$65.00} to approx {$6.00} per share. Again, this needs to be resolved. I am afraid as long as Ocwen continues to perform as they do that, they will go bankrupt and not able to compensate me or anyone else and I will be left in the cold.
Company Response:
State: MO
Zip: 63011
Submitted Via: Web
Date Sent: 2015-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-27
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been fighting to get a fair and equitable modification for XXXX years. My original loan was fraudulently put into an ARM. My signatures were forged. I was a victim of the subprime mess. My mortgage was sold to XXXX, Litton Loan, Ocwen Loan and at some point had connections to XXXX XXXX and XXXX. I in the past I have filed bankruptcy to protect and save my home. Only to have attorneys who did not file the proper paperwork to strip the lien of the XXXX mortgage. The mortage was discharge but Ocwen is saying I still owe it. I was approved for a modification through Litton Loan that Ocwen did not recognize. I had to pay trial payments XXXX different times, citing I did not send in all paper work. When I did. Ocwen back dated dates and threatened to take my home. I have all the documents and proof that I was a victim of consumer mortgage fraud. I have been and still am being victimized by Ocwen. All I want is my principle reduced to market value, recognition that I do n't owe a XXXX mortgage and credit for all payments I have made including all trial payment that was never credited. I want the government to look into my case. I started this process before the CFPB was instituted I sent documents to the Federal Trade Comission.
Company Response:
State: TX
Zip: 78552
Submitted Via: Web
Date Sent: 2015-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-26
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Have tried to get a loan modification from ocwen but they keep saying I did n't send everything in XXXX time so I kept going through the motions. In the meantime, a tree fell on my house blowing fuse box and wire along with a tree through my living room roof and ceiling. It 's been XXXX days without power. I and my animals are dehydrated and I spent XXXX to stay somewhere else and pay part of tree removal. Because they got a FORCED policy on the house, they refuse to give me the money to fix my house and get power back on. I would love to keep my house but I have seen too many complaints about ocwen to know that they will not help. Also, I ca n't speak to an american. I do n't understand any of them. I now have no money to stay elsewhere until they make a decision and do n't have anymore money to fix the power and roof myself. I need help. XXXX XXXX
Company Response:
State: LA
Zip: 70003
Submitted Via: Web
Date Sent: 2015-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I filed a TILA complaint in Fl. state court in XX/XX/XXXX. Case XXXX in the Fl. XXXX Circuit. GMAC [ non lender or creditor responded without evidence to do so. Attached is what OCWEN is trying to do AFTER the XX/XX/XXXX Consent Order.I have tried to get someone from your office to do an XXXX XXXX. XXXX XXXXXXXXXXXX
Company Response:
State: FL
Zip: 33993
Submitted Via: Web
Date Sent: 2015-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-25
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I filed bankcruptcy XX/XX/XXXX. It was discharged XX/XX/XXXX. I had a loan modification done with my previous loan servicer before they sell the loan to Ocwen loan and it was approved by the backcruptsy court. Now the new servicer Owen loan is not enforcing the loan modification as they are claiming post-petition arrears even all my payments have made timely. They were claiming my 3 months trial payments were not received as well as the signed modification documents. I have sent all the documents and my payments were all went to the bankcruptsy trustees. Now they are claiming that I owe them {$66.00}, XXXX as a post petition interest. I total disagree and this is just plain wrong doing. I am OK for you to share this letter with other people as it maybe happening this problem to others.
Company Response:
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2015-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Our mortgage was sold within the XXXX year and immediately our payments increased by {$300.00} without warning or explanation. Since then we have been trying to get our interest rate lowered. Then my wife became very ill, was out on XXXX a few times, had XXXX surgeries, and is now on total XXXX. During her time of illness, we were unable to make our payments. For two years we have been trying to get a loan modification, or at least a reasonable interest rate. Every time we have complied with the requested information, they say it 's out-of-date and it seems we have to start all over. The company is Ocwen. We were told that we would NOT be foreclosed on and if we would just keep sending in the paperwork, something would be worked out - that they WANTED to work with us. Now we received a summons of forecloser. We ca n't seem to get anywhere with this business ; calls coming from XXXX which makes it even harder with the communication. We have complied and have KEPT complying with their requests and something new always comes up. We are frustrated, scared, and frankly angry that this is allowed. We ca n't even speak to anyone American so as to understand what they are even saying. We have gotten nowhere fast and feel that this type of conducting business should not be allowed! e neeD SOME HELP!!! PLEASE!
Company Response:
State: FL
Zip: 33510
Submitted Via: Web
Date Sent: 2015-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No