Date Received: 2015-08-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: This is a continuation of my OCWEN nightmare. The situation is self explanatory when you read the attachments and all the complaints I have submitted over the past year. See Attachments:1. OCWEN letter with application to re-apply for a mortgage modification. XXXX/XXXX/15. 2. OCWEN PRE-FORECLOSURE NOTICE ( the day after - XXXX/XXXX/15 ). 3. OCWEN decision letter of denial of modification because the mortgage investors DO NOT PARTICIPATE IN HAMP OR ANY OTHER GOVT. MODIFICATION PROGRAMS. I have submitted a modification application XXXX now with the same answer - they do n't particpate! Yesterday OCWEN asked me if I wanted to apply again ( a XXXX TIME ). This is ridiculous.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2015-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received a letter from Ocwen stating that home equity line was maturing and I would be able to make payments to pay this off. ( this is standard with many institutions ). But upon maturing I was told that the full loan amount was due in full. I tried to refinance with Ocwen, but they told me they do n't do the refinancing and referred me to XXXX for help. XXXX took about three weeks to contact me back. After submitting all the needed paperwork I was told they could n't help me. I then tried to apply for a loan modification or Mortgage assistance through Ocwen, again after submitting all the paperwork they requested I was told someone would contact me in 3 weeks. When I finally talked to someone I was told that the loan has matured already and they could not do anything for me. I was told I would receive another call in 4 weeks. I thought they were going to try and figure something out for me, but when they did call I was asked if I had the money yet. I asked why are you taking so long with the communication and did not receive any answers to that and scheduled me at another 4 week wait for a phone call from my relationship manager. All the meantime of there postponing any type of help they were reporting delinquent payment to the credit agencies and adding interest to the balance. I was trying to apply for another loan from banks, etc. but no one could help me because of these bad marks on my credit. In the meantime i had sent XXXX payments to Ocwen but they were returned to me. I feel Ocwen was purposely delaying any assistance to me so they can report negative actions on my report. This would inevitably cause me to not be able to repay the loan and finally they can foreclose on my property. It seems that Ocwen wants to foreclose on properties so they can make more money on the backside of the sale. I should have been given time from my first contact with them to arrange payments without being reported delinquent. After all it was Ocwen that was taking there sweet old time not myself. I had to hurry and collect all the savings, retirement money I had, borrowed from family ( which is embarrassing in it 's own self ), also I had to take advances from some credit cards to finally scrape up enough money to pay the loan off. I 'm sure i am not the only one they tried to push out of their homes and they should be held accountable for it
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2015-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I requested and was granted a mortgage modification on 2010 by GMAC mortgage ( now being handled by Ocwen Loan Servicing XXXX. I have been in the past 3 months trying to have them forgive part of my deferred principal. I have sent them letters and to no avail. I believe I was a victim of mortgage fraud when I refinance my mortgage and they have sent me a letter that I am eligible for principal reduction but not on my deferred princepal. I am confused.
Company Response:
State: CA
Zip: 90807
Submitted Via: Web
Date Sent: 2015-08-21
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We had a mortgage loan with ocwen loan servicing llc, we sold the house and pay off the loan at the closing day XXXX XXXX 2015, the same time, we paid all our property taxes, but ( 1 ), ocwen loan llc still withdraw our monthly payment from our bank, after we made several calls, they wired the payment back to our bank but costed us {$30.00} wire fee ( we asked to send us a check ), we asked them to respond for the {$30.00} wire fee, they have not respond yet. ( 2 ), after we payoff our loan, there are {$2700.00} in our escrow account, but ocwen only return us {$330.00}, short {$2400.00}, ocwen said the {$2400.00} paid to XXXX county taxes, but on the closing day, we already paid full taxes, and the closing day is not the day they pay any taxes, now they own us {$2400.00}, we made many many calls, they still do not return our money, and we already called our county tax department, they have not received this payment and will not take it, please help us to get our escrow money {$2400.00} back, every time we call, they say they are working on it for us keep waiting, the escalation officer XXXX never answer our call and return our voice mail.
Company Response:
State: IL
Zip: 60914
Submitted Via: Web
Date Sent: 2015-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I requested a break down of the fees which are considered arrears from Ocwen XXXX totaling {$9300.00}. After receiving break down ledger it indicated there were double amounts of charges for " property Valuation expense charges. '' Example of those charges billed were {$320.00} and property inspection fee of {$10.00}. They were charged sometimes twice a month. HUD was involved and in XX/XX/XXXX the Ocwen became the lien holder with starting out over {$10000.00} in fees. After requesting for modification that went through after drop in income, what was a fixed loan became a balloon at the end of the maturity requesting collection of the balance of the loan over {$40000.00}. I asked why ca n't we just do the lower interest because now I am working with a better income and not require this " balloon, '' during the time of the trial period, my answer was it 's better for you. They continue to add 10 years again on to the loan, which I do n't understand, it was mature at XX/XX/XXXX now I was told today it is XX/XX/XXXX. No correspondence was sent to me of this change.
Company Response:
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2015-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-21
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I went under contract for a house, XXXX XXXX XXXX XXXX, XXXX XXXX, and ocwen came through after the sellers and I jumped through hoops for 3 months. I would like some sort of repayment in the {$1000.00} some odd dollars i spent on inspections and appraisal. This house was stolen from me by ocwen. I need repayment so i can go look for a new house. I was under contract for XXXX $ and you bought the house for XXXX i believe. so i want something for all this!!!
Company Response:
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2015-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-21
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I had went under contract to buy a house. The sellers didnt inform the listing agent of liens on the house. So after 3 and half months of being under contract a company named " ocwen '' came in from no where and swooped up the house and auctioned it off. We gave them everything they needed to call off the sale. They didnt and we lost over a thousand dollars we put into this house. My loan was approved, the house was appraised, inspections had been done and a bunch of repairs had been made. They sold the house for XXXX less than they were getting from me. Im so frustrated. So is all the realtors and my lender. What should i do?
Company Response:
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2015-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am filing a complaint against Ocwen Loan Servicing XXXX for Improper Record Keeping : Failure to post payments to account in a timely manner and Overcharging {$290.00} : Charging for Property inspection Fee {$12.00} and Valuation Fee {$280.00} claiming account was delinquent because of their Improper Record Keeping. This is a list of my payments1. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXXPayments for XXXX & XXXX were sent to XXXX because I accidently put the wrong account # XXXX ( Account was paid in full ). It took Ocwen 3 months to get it applied back these funds {$2300.00} ( XXXX payments of {$1100.00} each ) to my account. Ocwen reps were nasty and rude each time I called. XXXX sent the money back on XX/XX/XXXX. After several calls, Ocwen posted the money to suspense account instead of payment account on XXXX/XXXX/XXXX. XX/XX/XXXX {$1100.00}. XX/XX/XXXX {$770.00} Told to pay by Ocwen CSR since the principal was deferred and the payment decrease {$10000.00} ( credited to suspense account ) not to payment account Ref # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX was returned by Ocwen claiming my account was overdue because Ocwen refuse to post the payment from XXXX. Note this payment was replaced on XX/XX/XXXX with Ocwen Rep on the phoneXXXX. XX/XX/XXXX {$1000.00} thru XXXX Reference # XXXX ( NOT POSTED TO ACCOUNT ). The voice record says my account is behind. My account should be current if Ocwen post all payments to my account in a timely manner.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I previously submitted a complaint regarding a {$1200.00} payment on XXXX/XXXX/2015 being held in suspense and not being applied to my mortgage. Ocwen responded and indicated that it could not be applied as a regular payment since my account was already paid 3 months in advance ( payment due XXXX/XXXX/2015 ) but that it could be applied to principal. I requested that the payment be applied to principal, as suggested, effective XXXX/XXXX/2015 but that still has not been done.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2015-08-21
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: This is complaint number XXXX. I originally filed a complaint a few months ago, the result of that complaint was a response that stated my modification was approved but my mortgage had been purchased by another lender so there was a delay.The modification process was started in XXXX of 2014. After that notice I was served with foreclosure paperwork. This led me to question how Ocwen could file foreclosure on a mortgage that was currently in a modification and according to Ocwen had been bought by another company. I was told that I needed to file a response to the paperwork I was served. I filed my response at my local court house stating I was making payments, had a pending modification, and included copies of negotiated checks that Ocwen had accepted for payment .At this point the modification had carried on for over a year. I then was assigned a date to meet with attorneys for Ocwen as well as a foreclosure mediator, that meeting I believe was XXXX XXXX. At this meeting Ocwen was called where a representative for Ocwen told myself, the mediator and the attorney present that my modification had been approved, that my mortgage was current and after 14 months I finally had a completed modification. I was told I should receive paperwork on the approved modification within the next 30 days. I received a letter from the attorneys office stating the case was dismissed, which was signed and sent back. I then waited to receive the paperwork for my approved modification. I have yet to receive any such paperwork, instead I have received paperwork stating that my mortgage is behind and Ocwen has started the foreclosure process, again. I have also received XXXX separate letters stating I have a new agent, each letter had a different name, neither name is the person I am told is my agent when I call in. Total I have now been given at least XXXX different agents within the last year. I continue to make monthly payments and my checks are accepted every month.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2015-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes