Date Received: 2015-08-03
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: Ocwen Loan Servicing LLC, which services my loan, continues to violate the Fair Crediting Reporting, and Fair Debt Collection Practicing Acts, by failure to report the payment status of my mortgage loan, accurately. Consequently, I have suffered financial hardships in terms of declined credit opportunities and higher interests rates.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have XXXX violations from Ocwen Loan Servicing, first is a violation of the FDCPA in over contacting me ( 5 times in a 7 day period ) and I have been lied to when requesting to be able to pay my own homeoweners insurance and removing it from my escrow payment. Third, I have been viloated in my privacy under Graham Leach Bliley Act, when Ocwen without my permission contacted my insurance company and conducted business without my expressed written or verbal consent
Company Response:
State: ME
Zip: 039XX
Submitted Via: Web
Date Sent: 2015-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am the attorney representing XXXX XXXX XXXX in her modification and assumption applications with Ocwen. XXXX ex-husband, XXXX XXXX, has executed a quit claim deed transferring title to XXXX. Additionally, XXXX was awarded the house in the divorce decree. Furthermore, XXXX executed a written authorization giving me permission to speak with Ocwen about their file to help assist XXXX with the modification and assumption. All of these documents have been submitted to Ocwen. XXXX and XXXX both wish XXXX to obtain an affordable loan modification and get the home loan transferred into XXXX separate name. XXXX appears to qualify for an affordable loan modification. I talked with Ocwen representative, XXXX, on XXXX/XXXX/15 and his supervisor, XXXX on XXXX/XXXX/15. Neither were helpful. Representative, XXXX, ID XXXX was rude and had no consideration of the fact that proper documentation had already been sent it in and that the borrowers have been caught in this unfortunate situation for an unnecessarily long time due to Ocwen 's dysfunction. Furthermore, supervisor XXXX was unable to offer any helpful solutions other than to say that XXXX is not listed as a borrower on the account and therefore she can not apply for a modification or assumption until the account has been brought current. Essentially, Ocwen is saying that XXXX has no loss mitigation options available to her. I do n't know why they ca n't see my authorization, or proper documentation giving XXXX borrower status on the account, but I want it fixed immediately, and I want to be able to effectively communicate with Ocwen so all parties involved can move forward towards a mutually beneficial home-retention resolution that avoids unnecessary foreclosure. Ocwen 's staff repeatedly confuses the situation, fails to understand the status of the file, and in my opinion has proven to be negligent and completely incompetent. Supervisor XXXX stated position that XXXX needs to bring the account current before she can apply for a modification or assumption is incorrect and unnecessarily prohibits loss mitigation. Ocwen should be held accountable to applicable guidelines - HAMP, CFPB, XXXX all allow for this scenario of modification and assumption so that borrowers can avoid unnecessary foreclosure. Ocwen 's position discourages borrowers from saving their homes. This will continue to lead to wrongful foreclosures. This is unacceptable.
Company Response:
State: WA
Zip: 98362
Submitted Via: Web
Date Sent: 2015-08-03
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On some of our mortgage payments only half was applied to our loan and some payments were not applied at all. Due to this we went into foreclosure and now we are being charged with more than {$120000.00} XXXX + XXXX in fees. In addition, last year we were approved for a loan modification, after requesting one for 4 years. We did not agree with the additional {$120000.00} XXXX + XXXX that was on the modification so we contacted Ocwen and stated our concerns. We had been making our monthly payments per the trial period but in XX/XX/XXXX of last year, 2014, we were NOT allowed to make any additional payments until the loan modification agreement was submitted. We then submitted the agreement along with a letter disagreeing on the amount Ocwen stated we owed. We then were charged with an additional {$4600.00} in fees again. We have contacted Ocwen several times regarding our concerns and Ocwen stated that we needed to show proof that partial payments were applied and/or not applied at all. We then submitted copies of our bank statements and even mortgage statements showing payments made to our then mortgage lender. Ocwen then stated that they were not the mortgage lender at that time so they could not do anything about it.
Company Response:
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2015-08-03
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Re. XX/XX/XXXX- XXXX and XX/XX/XXXX- XXXX Update on Ocwen. Hello-46 days after I filed my complaint XXXX XXXX XXXX admitted their error and asked Ocwen to refund my overcharge of {$1000.00}, plus the overpayment of {$110.00} which as you know I had sent back to Ocwen- XXXX XXXX XXXX who was the Customer Resolution Account Rep assigned to my case at XXXX XXXX XXXX called me on XX/XX/XXXX to inform me that she had sent in the request to Ocwen on XX/XX/XXXX but received no response from them.She then escalated the matter to Ocwen Management on XX/XX/XXXX again asking them to refund my money, again she received no response. In the meantime XXXX XXXX- Ombudsman at Ocwen ( respondee to my previous complaint ) calls me and leaves me messages stating that they are trying to work it out with XXXX XXXX XXXX- this is a complete falsification and she lacks credibility, just as Ocwen does as a whole. She calls me from XXXX XXXX XXXX and asks me to call her back at XXXX XXXX XXXX, neither number is answered by her, I have tried them both 30-40 times. when she does not answer the voice message says -Our numbers have changed and we are directed to call XXXX XXXX XXXX XXXX as the new number- when I called that number on XX/XX/XXXX it was answered by a phone rep who informed me that she does not know who XXXX XXXX is nor does she know how to reach her, she was given y property address and my SS no. and she went on to say that I had No loan with Ocwen and my previous loan from XX/XX/XXXX was transferred to Litton Loan Servicing in XX/XX/XXXX. So, I kept trying that number and finally XXXX XXXX answers the phone- the one and only time in over 40 tries. She States- Yes, we finally got an e-mail from XXXX XXXX XXXX to refund your money and we are working it out with them- what ever that means. The she goes on to say that she is leaving on vacation the next day and will be back by Monday XXXX and it all be worked out with XXXX XXXX XXXX by then. Today she calls and leaves me a voice message that they are still trying to work it out. I am furious, so I try her number 14 times and no one answers as usual, I get redirected to their alleged " new number '' and a phone rep. XXXX answers and looks up my account and says XXXX XXXX has put a notation to send me back {$110.00} as the Borrower ( me ) sent it to them in error. My contention being that she and Ocwen are playing games and have collected {$1000.00} on a baseless explanation and now are refusing to send me the money back.I have repeatedly asked them for an Agent for Service, but none has been provided- I wish to take legal action against Ocwen for this fraud.I emailed them through their website on XXXX asking for an agent for service, and I was sent a secure message from " XXXX '' telling me that they received my request and are working on it- I have received no response since then and no agent for service has been provided. It has been 17 days since XXXX XXXX XXXX has asked them to refund my over charge of {$1000.00}, and on today 's date XXXX XXXX notes on my account asks to send back the {$110.00} again, which I requested them not to, as I will only send it back again. Their actions lack sincerity and they are barely legal in the statements '' we are working on it " .XX/XX/XXXX Ocwen was fined XX/XX/XXXX for force placing Insurance on borrowers, they did it to me as well in XX/XX/XXXX. I am asking that Ocwen be sanctioned and disciplinary action be taken against them.I am now seeking an additional {$2500.00} for the 20-30 hours that I have spent in this matter for my time, and punitive damages to a hardcore fraudulent Loan Servicer.It has been 64 days since I paid them off-inclusive of the overcharge, and I have yet to receive my Re conveyance as well. I request CFPB to get involved as leaving Ocwen to do the right thing will not work as their intentions are to cheat me, and that is plain for all to see
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-03
Issue: Settlement process and costs
Subissue:
Consumer Complaint: My loan has been with Ocwen for the past two years. My original loan amount was {$39000.00}. It has been 30 years and I owe {$54000.00}. My interest rate is 11.7 %. My loan has been bought out from four different companies. I am sure that it should have been paid by now. I think this was a predatory loan.
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2015-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen took my loan over when we filed Chapter XXXX in 2011. It has been a nightmare ever since. I do n't believe any of my loan information is correct. We are still in Chapter XXXX and Ocwen is calling me ( first call was on XXXX, yes, a Sunday XXXX to tell me I owe them over {$10000.00}. Absolutely incorrect and illegal since we are in Chapter XXXX. When Ocwen took our loan over, they gave us a modification which reduced our payment amount to {$1200.00}. They are now saying our payment amount is supposed to be {$1500.00}. I have documents showing the {$1200.00}, but I guess they ca n't find them. Most recently I received a bill for {$9700.00} and corrected tax document which will make me owe the IRS. I do n't think any of it is correct. I ca n't ever speak to anybody that speaks XXXX so I totally understand how nobody knows what is going on. Ocwen does have a consumer omsbudsman, who does speak XXXX, but they have n't done anything but lead me on as well. The omsbudsman said to give them 15 days to get it corrected and that was the day after XXXX XXXX XXXX XXXX ). I have received documents stating they will charge me for insurance on my home because I do n't have any, again, absolutely incorrect. I have requested a complete audit of my account from an outside source, but have not received any response. I am unable to scan all the documents in today, my scanner is not working. I did take photos and attached a couple of documents I 've received showing the amount I owe, it too changes all the time.
Company Response:
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2015-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been working with ocwen for the last 8 months every time I send them some papers they called an tell me they need something else I get so upset at them they also tell me that they can change my monthly payment an they just keep chargeing us more an more my home was XXXX an now they say I owe XXXX an that 's not right can some one please help me I get so tired dealing with them they tell me every time they need more papers an then they say we ca n't put your back payments behind the loan I do n't understand why they ca n't an the people are very rude an some of them you ca n't understand all we want is for them to put the back payments at the end of the loan an we want them to quiet charging us intrest every month an then they told us they were going to foreclosure on our home an I told them that we want to keep our home they said they got to do what ever they need to do my nerves ca n't take much more an they will not take our payment unless we give them XXXX
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2015-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This month showsthat we are shorton escrow morethan {$900.00}, but alsoafter the bank didthe escrow analysis, somehow we are short from 2012 more than {$6000.00} which you, the bank decided todivide the payments in XXXX, we will pay more than {$2000.00} a month and we simply CA N'T do it, and we will neverbe able to catch upwith the mortgage, that was the reasonwe went bankruptcyand did a loanmodificationbecause wecould n't afford {$2000.00} a month. We contact theOcwen to pleasemove the {$6000.00} tothe back of the loanso we canconcentrate payingwhatever shortagewe have in escrowthis year. Please help us
Company Response:
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2015-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I became aware that my mortgage had been sold to another company when I got a letter form Ocwen mortgage services dated XXXX XXXX, 2015. We closed on home XXXX XXXX with a first payment due on XXXX XXXX. On XXXX XXXX I received a letter form Ocwen saying my hazard insurance had expired and they were planning on buying insurance for me. In my state you ca n't close on a mortgage loan with out home insurance. I called the people we got our loan from and they said that information was included when the loan was transferred but they would go ahead and again verify that we had insurance on the house. On XXXX XXXX, 2015 I received and account statement that said my first payment was due on XXXX XXXX but the amount due was {$910.00} which was {$400.00} more than the amount on our closing papers. two days later I got a phone call from Ocwen asking me to verify my account by giving her the last 4 digits of my social security number which I refused to do. She then said I could verify my account by giving her information from the account statement. I gave her the property address and the amount due and she told me that was incorrect. I ask how that could be incorrect since I was reading it from the account statement I had just received from Ocwen. She again repeated that it was incorrect and that I could verify my account by giving her the last 4 digits of my SS # and that is where the conversation ended. On XXXX XXXX, 2015 I received another account state form Ocwen with the correct information but I have never been asked to verify any thing since that first statement. On XXXX Ocwen sent me a privacy statement saying they sometimes share information with other financial companies. My unofficial count of companies having my information is about 8 right now. On XXXX XXXX, 2015 I received a letter from XXXX XXXX saying they had purchased our mortgage on XXXX XXXX, 2015 but they were now selling it to Homeward Residential and that I should make my payments to them. If I sent payments to XXXX they would be refused. I have never received any payment information form Homeward so where do I send payments for my loan. If I ca n't make a payment on the loan I will be in default and that will lead to foreclosure. I just applied for a home equity loan so I can pay off who ever has the loan but it now seems nobody wants to claim it at least not until I have missed some payments and then I expect Ocwen to inform me that I am late on my payments and they are going to start the foreclosure process
Company Response:
State: UT
Zip: 84663
Submitted Via: Web
Date Sent: 2015-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No