Date Received: 2015-08-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan servicer is Ocwen. Since the beginning of time of XX/XX/XXXX i have had so many issuesOn this shared appreciation modification, I had a lawyer, the person i dealt with lied, said no XXXX, yet they issue XXXX, then recant, then reissue. They up property inspection fees with notice, and will not show proof who these people are when date time. I had fallen behind again due to property damage and have court documents, and loss of job, i just got a job, after reviewing information, i had not noticed, i saw back in XX/XX/XXXX they took my whole down payment and applied to escrow, they had been over escrowing for a while causing further burden and it took almost a year for them to fix but put me further negative and reporting, they report to bureaus not more than 90 days i am not 90 days, they applied first payment in XX/XX/XXXX they put it all into an escrow, no where in modification did it say that the guy on phone the other day said they can do what they want with down payment? how is that. They know i live here, the other relationship manager is not there, she was uncooperative, i have challenged fees, etc nothing is done. I am at a loss since 8 years, its beyond stressful and I give up, you sue them what good does it do they do what they want. I am told they ca n't call my house because i do n't accept blocked numbers, i work for a bank, you have to identify your number, so i am forced to let them use my cell. they have no personality, i am given vague inconsistent information, i just give up. XXXX and XXXX scammed this from the beginning, my mortgage is assigned non stop, there is an allonge i never saw until online ocwen has personal information posted under their mortg docs on my child support. they over escrowed please help
Company Response:
State: MA
Zip: 02038
Submitted Via: Web
Date Sent: 2015-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My husband purchased a home in XXXX. Here the story his orginal loan was with Homecomings Bank his account was always never had one problem with this lender. Orginal loan was for {$15000.00} on a tiny house XXXX a month this included the insurance as well as taxes.The taxes on this house are only XXXX a year it the location its in. So to pay off early he was making and always has made payments of XXXX or more a month.XX/XX/XXXX it was brought to his attention when he received his monthly statement that it had changed to Gmac Bank. from the get go we would have to call in constantly because payments where being applied wrongly etc ... Then in XX/XX/XXXX a new company OCWEN takes over and it has been a nightmare ever since thats he has contacted you. They told him he had a ballon loan he did not and even so if he did the fricking house would be paid off there no way the most he could maybe owe would be XXXX if even that. When he contacted you they sent out papers but the papers they sent where there break down from XX/XX/XXXX and how they would apply it. It 's not the documents from Homecomings its just insane how much money we have paid on this place and they say basically he still owes {$12000.00} and that they are now going to foreclose. thats ruffly {$3100.00} and XXXX going to taxes then insurance for a house {$360.00}. This house is in the hills its XXXX bedroom very small and then off course you have interest which they send us every year a report and its XXXX. So taxes, insurance and interest {$1300.00}. XXXX - XXXX = {$1700.00} a year should go towards loan give or take and in 15 years that {$26000.00}. And this house he still owes {$12000.00} are they nuts he has had same bank account from XX/XX/XXXX they have every single check they ever paid them from day one and to round it comes too {$45000.00}. There no communicating with these people its they are write and no one else .... I have read numerous sitituation on line and spoke to other people invovled with this company. This is insane completely insane .... How getting away with this XX/XX/XXXX ... Someone has to do something ....
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2015-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I scheduled my XXXX mortgage payment on XXXX XXXX, 2015. The system then said that my next payment due was XXXX XXXX, 2015. I knew this was an error because I only scheduled XXXX payment for XXXX which would make the next payment due on XXXX XXXX, 2015. I informed Ocwen of this error and told them that I would stop payment on those XXXX errors and would reschedule another payment from my other checking account. I scheduled the payment from my other checking acct on XXXX/XXXX/2015 which cleared my bank on XXXX/XXXX/2015. Then, on XXXX/XXXX/2015 another mortgage payment debited my XXXX checking account which was unauthorized. I informed Ocwen there must be a glitch in their bill pay system because they were taking XXXX payments each time when only XXXX was scheduled. XXXX XXXX XXXX was able to retreive the extra payment from Ocwen that was made on XXXX/XXXX/2015. Ocwen is now saying that I have not paid for XXXX and had returned checks for XXXX after showing proof form the bank that they made extra unauthorized debits and proof that the XXXX XXXX payment I authorized posted and cleared. After XXXX letters, XXXX calls from the Bank and they will not fix my account. They even sent me a check in error and told me to deposit it then they would credit my account. Well, that check was no good from them and they charged me for it after they told me to deposit it on XXXX/XXXX/2015. Today is XXXX/XXXX/2015 and this error began on XXXX/XXXX/2015 and nothing has been done, even after contacting their ombudsman. My bank tried to talk to them but they would n't talk to them because the call was being recorded. I have never been late with my mortgage payments and I do n't appreciate being treated this way. Something is shady about Ocwen because all of a sudden my mortgage payments increased due to escrow which they are now taking $ XXXX yearly over the amounts of my property taxes and home owners insurance. Then, this fiasco with XXXX debits happened just two months later. Ocwen Loan Serving needs to be investigated. There us something REAL shady going on with this company.
Company Response:
State: CA
Zip: 94803
Submitted Via: Web
Date Sent: 2015-08-12
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: late charges have been applied and there is no supporting documents, I have been trying to resolve this for a long time and have not been able to do so. I have been in good standing and have never been late on payment, I opened a mortgage with GMAC XXXX XXXX, 2004 and it was sold to Ocwen. now my monthly statements are not correct I have called many times and can not get this resolved.
Company Response:
State: NJ
Zip: 07724
Submitted Via: Web
Date Sent: 2015-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-12
Issue: Settlement process and costs
Subissue:
Consumer Complaint: Ocwen mortgage company contacted me about their VA refinance program. They told me repeatedly that it would be of no cost to me and my balance would not go up. I never saw the amount I would be paying until it was time to sign. I noticed when signing that the balance was higher than I currently had. The notary was rapidly going through the loan and getting me to sign as fast as possible while " explaining what the paper was I was signing. When I noticed the balance was higher, he said I could bring that up with them later. The refinance ended up being {$3000.00} over my previous balance. When I called about this it was VERY hard to reach someone to talk to. I left repeated messages and nobody ever called back. I finally got in touch with Ocwen and they told me there was nothing they could do as I signed the new loan.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2015-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The HELOC maturity date was XXXX XXXX, 2015. The final payment, based on the payoff quote provided in writing, was sent and credited to the account XXXX XXXX, 2015. The Ocwen website shows {$0.00} balance due however Ocwen continues to call everyday to collect {$28.00}. After numerous attempts to get someone to investigate the final settlement, it has been determined ( have a letter from Ocwen in hand ) that the loan was overpaid and Ocwen owes me {$13.00} ... The debt collectors refuse to take me off their call list. They want ME to write a letter asking to be removed even though it their mistake.
Company Response:
State: CA
Zip: 92886
Submitted Via: Web
Date Sent: 2015-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Denied a Harp
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2015-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen Loan Servicing , LLC first mishap with my account started with my XX/XX/XXXX payment which was increased from {$5600.00} to {$7400.00}. This was an astronomical increase of {$1700.00} without any notification to me. I made my regular monthly payment of {$5600.00} since I was unaware of the increase. My payment was returned by Ocwen Loan Servicing , LLC . I contacted Ocwen Loan Servicing , LLC to find out why and at this time learned this was due to a shortfall in my escrow account. As a result of Ocwen Loan Servicing , LLC failure to provide me with timely notification of this escrow shortfall which resulted in an increase, my XX/XX/XXXX payment was late. I was working on getting my account back to timely payments when Ocwen Loan Servicing , LLC returned my XX/XX/XXXX payment on XX/XX/XXXX. I contacted Ocwen Loan Servicing , LLC to understand why and was told the account was 90 days past due. My account was 90 days past due because Ocwen Loan Servicing , LLC had failed to post my XX/XX/XXXX payment which was paid on XX/XX/XXXX. I was told by the Ocwen Loan Servicing , LLC representative XXXX that my XX/XX/XXXX payment which was not posted to my account was returned due to insufficient funds. I explained to XXXX that the funds left my account through auto debit and enough funds was in the account as well as an over-draft protection to cover any short-fall. Ocwen Loan Servicing , LLC also had not returned the XX/XX/XXXX payment to me only the XX/XX/XXXX. I was placed on hold for several minutes and then told by XXXX that my XX/XX/XXXX payment was never posted to my account by Ocwen Loan Servicing , LLC . They would correct their error and needed a few days to update the account. I told XXXX I was about to make the last payment needed to bring my account up-to-date that night and was asked to hold the funds for the next few days until the misplaced XX/XX/XXXX payment was posted to the account. Ocwen Loan Servicing , LLC returned my XX/XX/XXXX payment a few days later and failed to post my last 2 payments ( XX/XX/XXXX & XX/XX/XXXX ). Had these payments been posted on time by Ocwen LoanServicing, LLC, my account would have been only 30 days behind. As a result of Ocwen 's failure to post my XXXX & XX/XX/XXXX payments on time, my account became 90 days behind and Ocwen Loan Servicing , LLC declared my account in default. I have applied for a mortgage modification with Ocwen Loan Servicing , LLC that started on XX/XX/XXXX and I have spent several months updating my documentation for Ocwen Loan Servicing , LLC and weekly calls to find out the status of my modification. After a year and a half, XX/XX/XXXX of updating documentations and weekly phone calls, Ocwen Loan Servicing , LLC denied my application for a mortgage modification. I was told the reason for the denial was because " my Investors do not allow modification ''. I was denied a mortgage modification not based on my qualifications, the ones outlined in the Mortgage Modification Program but based on my Investors decision not to participate in the Mortgage Modification Program. As a result of the mismanagement of this account by Ocwen Loan Servicing , LLC, I have been suffering economic and emotional hardship.
Company Response:
State: NY
Zip: 10552
Submitted Via: Web
Date Sent: 2015-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: After 10 years, Ocwen Servicing Loan has increased my loan {$300.00} on an arm loan. The interest rate on the loan remains the same. This is an investment property in which I paid my loan on time for 10 years. This company is now making my loan not affordable. I do n't know if this is legal
Company Response:
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2015-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I filed a complaint against Ocwen XXXX weeks ago in response to the XXXX dispute. Complaint # XXXX. Ocwen has continued to ignore my request to remove inaccurate late reporting on acct. # XXXX
Company Response:
State: VA
Zip: 242XX
Submitted Via: Web
Date Sent: 2015-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes