Date Received: 2015-08-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I had mortgaged XXXX properties in XXXX separately. Several years later OCWEN LOAN SERVICING , LLC became the loan servicing company for both mortgages via XXXX different previous loan servicing companies. 1 ). One company Litton, the previous lender to XXXX present Ocwen loan, did modify my mortgage but I later learned the document I signed added {$40000.00} to my principle in order for that company, Litton, to modify the loan. This property had been owned by several other companies before Litton owned it. This was very unethical for Litton to do I feel. I was able to get the monthly loan amount decreased over time and retain the property before the loan was sold to Ocwen. Before the modification I had paid approximately XXXX years worth of payments on time before my financial difficulties developed. Ocwen phone agents have been rude, do not all give me the same consistent information when I call, typically refuse to allow me to speak with a supervisor to resolve my inquiries or just plain hang up on me or place me on indefinite telephone holds. 2 ). Ocwen would report me as late within XXXX days after the month I was late with payments up to XXXX days when I was experiencing financial difficulties. Now that my payment have been paid within the current month due, since XXXX XXXX on both loans, Ocwen can not report my payments paid since the last XXXX ( XXXX ) months. All XXXX credits agencies show me paid thru XXXX XXXX. This has the effect of keeping me from seeking possible refinancing should I want to do so. This is just wrong. Ocwen phone agents have stated Ocwen is not responsible that the credit agencies are responsible. When I submitted inquiries to the XXXX credit agencies the replies were the credit agencies report as soon as the reporting companies give them the information. If Ocwen could report within XXXX days after I was late for over XXXX days Ocwen can report in a timely manner when I have paid on time. All other of my creditors report my payments no later than XXXX days after the payments have been submitted. 3 ). Ocwen is and has been adding indiscriminately late fees to my account since servicing the loan. There are fees that I believe are incorrect and fees I have no idea why I am being charged for them. 4 ). I also have had refunds due me for balances on forced placed insurance after I secured insurance for my home. Thank you for reviewing my complaints.
Company Response:
State: OK
Zip: 740XX
Submitted Via: Web
Date Sent: 2015-08-11
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: OCWEN -the mortgage company -sent me a letter stating my mortgage was being sold to XXXX and gave me a check for {$89.00} to repay the echrow account. I went to deposit the check 2 months later and was informed by my bank that they denied payment and I was charged {$17.00} fee. I have called QCWEN numerous times and they claim the check was cashed in XXXX but I had the check in my hand in XXXX for deposit. They refuse to give me any info on where and who cashed the check since I had the live check in my hands in XXXX.
Company Response:
State: NJ
Zip: 08822
Submitted Via: Web
Date Sent: 2015-08-11
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: Home # 1. aka residence & lt ; & gt ; for almost two yrs,. Ocwen Loan Servicing had me filling out numerous loan modifications XXXX 6 ), denied every time!! After the two week waiting period, receive call, telling me, denied!! the following week, I would receive a complete loan package of XXXX pages, filled it out, sent it back via. XXXX wait the two weeks, DENEID!!! Again, the same thing, another loan Mod. package arrive at my residence. only to be denied!! & gt ; & gt ; & gt ; leaving the interest rate XXXX firmly at XXXX XXXX to date! Home # 2. aka investment property, I call it, retirement property!! Same as above, but former Servicer Stopped excepting my payment in forcing me to fill out Loam mod. only to be denied numerous times!! after it was becoming a joke, so many deniles, I asked them, what now!! Reluctant to answer me, so I asked, are you foreclosing on me? I was told, quote, your house IS in foreclosure!! I remember telling them in a letter, if you foreclose, I will receive XXXX from the I.R.S. a bill in the amount of {$50.00} K or so!! & lt ; & gt ; I did & lt ; & gt ;!!! I currently owe the GOV. {$50000.00} in XXXX gains tax!! Luck for me I had a buyer waiting over one year to buy my property of 22 years ownership! *note When I agreed to sell, I emailed Ocwen Loan Servicing XXXX what my intentions were ... receiving the payoff in less than one week, and I told Ocwen I have a cash buyer, please assist my buyer 's attorney in the payoff. In essence, Ocwen ignored their attorney for three weeks!!! Almost jeoppadising my sale!! & lt ; & gt ; If the buyer found out the property was in foreclosure, I would have been eliminated from the sale!!! A foreclosure to my credit, plus XXXX loosing everything ], including the XXXX XXXX dollars left over after sale Ocwen receiving their share in full!! Sale price XXXX payoff XXXX plusOcwen ruined my credit with my residence, reporting me XXXX months late while making additional payments of XXXX on top of my regular for ten months, applying the additional funds to LATE FEES AND INSPECTION FEES & lt ; & gt ; FIRST!!!!!!!!!!!!!!!!!! LATER ;, OCWEN WOULD CORRECT THIS MATTER!!! MY CREDIT RUINED FOR MORE MONTHS, PREVENTING ME TO REFINANCE FREEZING MY INTEREST RATE@6.875 % & gt ; OCWEN & lt ;, DOING BUSINESS UNFAIRLY IN ACCOMEDATING THEIR INVESTERS, FLIRTING WITH THE LAWS OF THE UNITED STATES OF AMERICA. AND WEAKENING THOUSANDS OF COMSUMERS, PLACING THEM IN HARMS WAY! Sincerely XXXX XXXX XXXX
Company Response:
State: MA
Zip: 02150
Submitted Via: Web
Date Sent: 2015-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We are in a balloon mortgage payment and did not know about it. We thought we were in a 15 year mortgage. We were just notified in XXXX that the balloon had to be paid off. They told us we had to pay {$30000.00} by the end of XXXX, 2015, but now they asking us for {$8400.00} by the end of XXXX.
Company Response:
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2015-08-11
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 have owned my home for 21 years and have faithfully made my mortgage payments every month until XXXX of this year. My mortgage company was GMAC till they sold it to Ocwen Loa n Servicing, LLC. 3 years ago. At the beginning of this year I had some XXXX problems and I had to miss work. It affected my financial situation and I got behind on my mortgage payment. I was n't able to pay the XXXX XXXX or XXXX payments until I got my finances in order. I received mortgage account statements from Ocwen Loan Servicing with the past due amount I owed them and the late fees that they charged. I had an opportunity to lend some money from family to take care of the past due amount and late fees. On XXXX XXXX my sister had a conversation with XXXX, agent # XXXX and this conversation, along with all the other conversations was recorded by Ocwen Loan Servicing. XXXX told her that the past due amount owed was {$2600.00} and that if that was paidby XXXX XXXX, the loan would be brought current and the next payment would be the XXXX payment of {$740.00} which was the regular monthly payment. XXXX XXXX was the relationship manager that I was talking to on the phone. A cashier 's check was purchased by my mom at her bank and sent to Ocwen on XXXX XXXX XXXX. XXXX XXXX because XXXX was the relationship manager that I was dealing with. My sister gave her phone number and email to XXXX and XXXX XXXX contacted my sister by phone on XXXX XXXX XXXX, we are assuming that he received the cashier 's check that day, but he did n't tell my sister anything because I did n't give authorization for them to talk to her yet. On XXXX, XXXX XXXX Ocwen sent a letter stating that because the payment was not received yet, that more money was due if I wanted to reinstate my mortgage. The payment due went up to {$3400.00}. On that day, XXXX XXXX, I contacted my sister to let her know that they did n't receive the cashier 's check. She called and talked to XXXX, agent # XXXX. She transferred the call to XXXX, a relationship manager ID # XXXX.He told my sister that he could n't tell her anything unless I authorized her as someone they could talk to. She called me and asked that I authorize her name and then she talked to XXXX from XXXX agent # XXXX who said that my sister 's name did n't appear as an authorized person. I called again and talked to XXXX XXXX ID # XXXX who told me that my sister was authorized and that she could call back. My sister then called and talked to XXXX ID # XXXX who was from Texas and he told her that the payment would probably be posted by Tuesday, XXXX XXXX and she should call back then. On XXXX XXXX, XXXX XXXX contacted my sister at XXXX and told her that they would have to send the payment back because it was not received within the amount of time that they requested it and more money would be due. That day she informed not only XXXX XXXX, but a couple other people that called from Ocwen that she was going to make a complaint with the Consumer Financial Protection Bureau. We are also making this complaint to the BBB.
Company Response:
State: PA
Zip: 15210
Submitted Via: Web
Date Sent: 2015-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: ocwen loan servicing llc was keep sending me a letter attempting to collect debt regarding loan number XXXX we have no idea of what and who do we owe this loan. we believed that XXXX mortgage transferred our acct to XXXX after we filed bankruptcy chapter XXXX. also possibly after we shortsale the same properties the next year. short sale was done under the advice of my lawyer because for two years after got discharged from chapterXXXX, properties is still under our names, and we can not buy a new house. so, in order to removed those properties in our name, we short sale it and went to legal process.
Company Response:
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2015-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Hello XXXX XXXX and staff, My name is XXXX XXXX formerly known as XXXX XXXX. The reason that I 'm contacting your office is due to the mortgage that I had with Litton Loan ( Loan # XXXX ) and currently have with Ocwen Mortgage LLC. loan # XXXX. I purchased my house XX/XX/XXXX for {$110.00}, I made a down payment in the amount of {$9000.00} leaving a balance to be finance in the amount of {$100000.00}. I received a letter from Ocwen indicating they are taking ownership of the loan from Litton Loan balance in the amount of {$160000.00}. I addressed the issue every since XX/XX/XXXX. I have never taken a loan out against my home since I have lived in it. I 'm currently behind in my mortgage due to medical issues. Ocwen sent me an invoice indicating that I had a {$45000.00} forbearance. I requested over XXXX times ( no exaggeration ) requesting documentation to why a {$45000.00} forbearance would have been necessary to date it has not been provided to me. I have only received a receipt of my request and it is in the research department and they will contact me upon a time when a resolution has been made, an additional letter is sent indicating it will take longer than expected more time is required. Ocwen states that when the loan was retrieved from Litton Loan it was at XXXX When I call Ocwen or someone call me they will say the loan amount at the time of receipt of my loan was {$160000.00}. I am not sure how this happened and no one seems to be able to provide any documents with this amount on it. Ocwen requested the original copy of the mortgage contract and still nothing has been done to resolve this issue. I have been in my house for over 20 years and I have never been {$45000.00} behind where I required a forbearance. I have been contacting Litton loan and Ocwen for the past 15 years regarding this issue to no availIn addition to Litton having the loan my ex-husband obtained a loan solely, XXXX XXXX was ordered by the Judge to pay it back in the divorce decree. However ; XXXX was the originator of the loan, XXXX Bank was purchased by XXXX XXXX this loan was foreclosed on and it was brought to my attention that XXXX purchased the property for {$28000.00}. I 'm unaware of how Litton loan was able to sell the loan to Ocwen when the Mortgage was purchased by XXXX for {$28000.00}. As well as how the {$28000.00} was applied to my mortgage when the payoff of the loan was to be conducted solely by XXXX XXXX it is ordered in the divorce decree, a copy of all of this information has been provided to Ocwen and I have no information to date. Ocwen also was charging late fees, and other fees during my modification. Ocwen is by far one of the worst companies ever thecharges are exaggerated added without explanation. I have a charge on my invoice for {$25000.00} next to it is miscellaneous. How can you charge that amount of money without explanation for every dollar and dime, and address it as miscellaneous ( still no answer ) because it is bogus. The other XXXX plus dollars indicate fees and late charges and more bogus charges. I 'm not sure if this is the correct department if this is n't the correct department to submit this letter, will you please make sure the proper department and people receive this information. Please help me with this matter. I want the money that was added to my mortgage. I would like toreceive my money backXXXX XXXX, XXXX ( CFPB ) Hi. I am out of the office from XXXX XXXX and not regularly checking email. If you
Company Response:
State: MN
Zip: 55016
Submitted Via: Web
Date Sent: 2015-08-11
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: We have a mortgage with OCWEN Loan SeXXXXrvicing. Payments are made on the first of the month and they do not seem to get processed until the XXXX of the month. NO late fees area accessed as they start on the XXXX. They are stating no payments were made in XXXX and XXXX. All payments are made from a XXXX XXXX bank. I have spent hours on the phone with them, providing them with the actual bank statements as they wanted to make sure the amount was subtracted from the account which checks were written and withdrawn through ACH, no cancelled checks are available. They will not process the amounts and are asking for a cancelled check. I can not make anyone understand as XXXX is clearly the XXXX language of ALL agents.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2015-08-11
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: Ocwen mortgage failed to pay XXXX out of my escrow. The insurance company cancelled my policy and did n't rewrite it. They said Ocwen pain but was 30 days late so they canceled me. This is costing me XXXX because they screwed up. PLEASE HELP My name is XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX the loan number with XXXX is XXXX. This is n't my fault but they act like it is. They now want to put me in force placed insurance that I ca n't afford. I 'm having issues XXXX. I 'm retired and on a very limited income. PLEASE HELP ME
Company Response:
State: MO
Zip: 65721
Submitted Via: Web
Date Sent: 2015-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I do not owe this company nor have any dealings with it my information, including phone and address information has been compromised and this account is a result of identity theft that needs to be removed asap.
Company Response: Company can't verify or dispute the facts in the complaint
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2015-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes