Date Received: 2015-08-02
Issue: Settlement process and costs
Subissue:
Consumer Complaint: OCWEN CAUSED OUR FORECLOSURE TODAY, BY FAILING TO PROCESS THE XXXX MODIFICATION WITH XXXX BANK IN XXXX NO. XXXX. WE DIS N'T GET ANY CLAIM FORMS FOR THE OCWEN NATIONAL SERVICING SETTLEMENT.
Company Response:
State: IL
Zip: 60445
Submitted Via: Web
Date Sent: 2015-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: None of the loan servicers/mortgage owners have produced one stitch of documentation, original or otherwise, regarding my mortgage. Currently, I am being bombarded by Ocwen Loan Servicing. They send me notices about everything in the world, except some acceptable resolution. Now that the real estate market has improved, they simply want the property for purely their own benefit. I was caught in a downward spiral as a result of the financial crisis. I have recovered somewhat, but these people refuse to even enter into a dialogue. Any assistance you are able to extend, would be welcome. I am XXXX years old, and find it difficult to fight a large financial institution, by myself. My E-mail address is : XXXXXXXXXXXX. Thank you in advance!!
Company Response:
State: FL
Zip: 32082
Submitted Via: Web
Date Sent: 2015-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-01
Issue: Settlement process and costs
Subissue:
Consumer Complaint: My wife and I are trying to sell our home but during the title search they found a satisfaction of mortgage from 2003 for {$22000.00} which was not recorded by GMAC in the county records. That mortgage was paid off during a " refi '' by another GMAC loan one month after the {$22000.00} loan was taken out. We were directed to Ocwen to retrieve this document and have contacted them by phone, fax, and e-mail numerous times but with only one response back saying they need more info. I decided to drive to the headquarters about 1 hour away from my home but after giving them my SS #, address, and loan number they told me that I was not in the system and they could not help me any further, he also advised me to contact there research department which is who we sent all our faxes and e-mails to from XX/XX/XXXX. I am currently in the 3rd extension on my home and the home we are purchasing. We are currently paying an extra {$250.00} to lock in our buyers rate since his rate lock has expired. In addition, we are in jeopardy of losing the house we are trying to purchase, which will also jeopardize our {$10000.00} deposit. I feel we have been extremely patient with this company but we have been grossly ignored over the past 30 days trying to obtain this document. I am a business owner myself and I feel this lack of customer service is incredibly ignorant in this day and age with unlimited lines of communication in which they can, at minimum, contact me and let me know they are at least working on this issue. Unfortunately the only communication from them came to us in the mail asking for more information on XX/XX/XXXX. We responded to there request but as of XX/XX/XXXX we still have no communications with this company. I will be retaining a lawyer to pursue this issue further on Monday XX/XX/XXXX but unfortunately we are not made of money and are only willing to do this to try and keep our deposit. We have come to terms that we are inevitably going to lose our dream home, and lose the sale of our home as well. This document affects the financial and mental well being of XXXX families all waiting in limbo, living out of cardboard boxes and sleeping on mattresses on the floor. All XXXX families have been packed and ready to move from XX/XX/XXXX and all because of this simple document which nobody can help us with.
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2015-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-01
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am XXXX military and after transferring from Maryland I could not sell my house due to its decline in value. I also could not refinance because it was considered an investment home. I requested a modification to make the payments more affordable. I showed financial hardship and for a year was given the runaround by ocwen for them to ultimately deny me the modification. Die to flood damage costs by the tenants and the tenants financial hardship, they were unable to make full payments. I was unableTo repair the home, make the mortgage payment and continue to pay the rent in the home my family of XXXX children currently lives in. I wasLate on the ocwen mortgage for a few months, less than three, during summer of 2014 while I was XXXX to the XXXX XXXX. Ocwen finally granted me a modification once I became delinquent on the payments. I have been current on all payments since XXXXOf 2014 yet ocwen continues to show that I 'm making late payments as recent as XXXX of 2014. This is affecting my ability to even rent a home and keep shelter of my families head because landlords are seeing the in accurate reflection. Ocwen has not positively worked to rectify this problem and I need help.
Company Response:
State: CA
Zip: 91915
Submitted Via: Web
Date Sent: 2015-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX 2015 - escrow changed for my Ocwen mortgage payment from {$1000.00} to {$1100.00} to account for an insurance escrow I never requested. At this time the account was in good standing and paid up in full. XXXX/XXXX/15 - Ocwen receives payment for {$1100.00} XXXX new pymt due amount ) to satisfy my XXXX/XXXX/15 payment. XXXX/XXXX/15 - My bill pay changed back the payment to the old amount. A payment was received by Ocwen in the amount of {$1000.00} intended to satisfy my XXXX/XXXX/15 payment. Ocwen wrongly applied the payment to principle, instead of towards the payment. XXXX/XXXX/15 - Payment was received by Ocwen in the amount of {$1000.00} intended for my XXXX XXXX, 2015 payment. Ocwen wrongly applied this payment towards principle. XXXX/XXXX/15 - I call ocwen after realizing billpay reverted the payment amount, talked with XXXX at Ocwen who informed me that a check in the amount of {$200.00} by the end of the month would get me completely up to date and that there would be no negative mark to my credit. XXXX/XXXX/15 - Statement arrives in the mail saying I 'm past due. XXXX/XXXX/15 - Payment of {$200.00} was received by Ocwen to bring the account current. Ocwen wrongly applied the payment to principle, for the XXXX time. XXXX/XXXX/15 - Received a call from Ocwen, XXXX XXXX ID : XXXX ) who called to collect on XXXX 's payment. I explained that I should be current. She informed me I was correct, and that Ocwen made a mistake with my {$200.00} payment and processed it to principle instead of my payment. She said they 'd readjust the loan. I requested confirmation in writing and email and provided my email address. XXXX/XXXX/15 - I get a call from XXXX XXXX ID : XXXX ) who is now my " personal account manager. '' I tell him I already talked to XXXX and I 'm not sure why he called. He said he can see they are working on it. I set up an appointment on XXXX at XXXX for him to call me and confirm the payment has been applied correctly and confirm my account is in good standing. XXXX/XXXX/15 - I received a past due notice from Ocwen, I received written proof of our {$200.00} payment, and I received a certified letter saying we are in default on the mortgage. One of the pieces of mail shows {$1100.00} being held as unapplied funds. I bring this up with XXXX at our XXXX meeting. At my request, XXXX goes through the above timeline. He confirms all the pieces related to payments, including when and how they were applied. He confirms that I should be completely caught up, and that as of right now, today XXXX/XXXX/2015, my next payment is due by XXXX/XXXX/2015. He also informs me that there will be no hit to the credit as I never went XXXX days past the due date. I inform XXXX that I am giving Ocwen exactly XXXX days to have the issue completely corrected and to have something in writing ( email okay ) by XXXX/XXXX/2015 confirming exactly what he stated, that I was up to date, and to detail each of the misapplied, reversed, and corrected payments. We set up an appointment on XXXX/XXXX/2015 at XXXX. XXXX/XXXX/15 ( today ) I receive a call from XXXX XXXX ( id XXXX XXXX XXXX minutes late. XXXX is no longer managing my case and I am given no explanation why. I inform him the call is being recorded. He informs me Ocwen policy does not allow him to talk to me while he is being recorded. This is immediately after he tells me that I 'm being recorded. I end the recording to be able to determine the status of my account. He confirms the next payment is due XXXX/XXXX/15. When I ask about the status of the written confirmation ( see above ) he has no idea what I 'm talking about. I request it again, and HE TELLS ME THEY DO N'T HAVE TO SEND IT. I tell him that according to the fair debt collection practices act they do. He starts the process to have the " correspondence department '' send me the confirmation in writing. He says I will have it within XXXX business days to my email.
Company Response:
State: NH
Zip: 033XX
Submitted Via: Web
Date Sent: 2015-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: For over seven years I have had been requesting why the mortgage servicing company would show a past due on my monthly statement. Each time I would get a form letter stating that I would get a response within XXXX days - NEVER got any additional response. It was easier to change the servicing companies - XXXX, XXXX, XXXX XXXX XXXX, XXXX and Ocwen in XXXX years. During that period the servicing companies made payments for insurance and taxes before the due date ( my on time payments were returned as the bill had already been paid ) - I DID NOT ESCROW, I paid myself. I believe that there actions were in an attempt to build a reason to foreclose. In XX/XX/XXXX XXXX XXXX ( law firm in XXXX ) got involved. I provided copies of my requests for a detailed statement with explanation of what I owed. FINNALLY - a letter from XXXX of XXXX/XXXX/XXXX provided a statement.. I provided copies of the cleared checks and copies of the checks returned by the servicing company accounting for all the months on the statement up to the time ( XXXX/XXXX/XXXX when I stopped making payments as they were just returned. I also included proof of payments for insurance and taxes ( with letter from Tax commissioner when my payment was received after the mortgage company had paid, although I PAID ON TIME ). I Itemized what was due ( taxes and monthly interest payments since they began to return my checks ) and offered to pay in full {$34000.00} the total amount due through XX/XX/XXXX. I have NOT received a response. There efforts are to get the court to put my loan in default and foreclose. During the last months I have receive a stack of documents the lawyer has sent to the court. I have responded to the court each time providing the background as I am now doing. I believe the actions not taken to resolve and taken in a effort to foreclose is a crime against a senior.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We entered a SAM agreement with OCWEN approximately XX/XX/XXXX. We have been making payments on time and over the amount stated. From XX/XX/XXXX thru approximately XX/XX/XXXX Double payments were sent to OCWEN that we were not aware of. In reviewing our mortgage payments, we did not find where the extra money we sent for payments was applied to the principle. I contacted OCWEN who could not tell me where the additional monies were applied. An accounting sent from OCWEN shows the funds were applied to fees and service charges. The SAM contract we signed does not state that payments submitted in excess of amount due would be applied to 'fees and services '. We contacted an attorney to try to resolve, but OCWEN continues to be evasive and not provide an answer to our inquiry of why were n't the excess funds sent applied to the principle.
Company Response:
State: AK
Zip: 99504
Submitted Via: Web
Date Sent: 2015-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Issues over payment amount resulted in forclosre. I was not aware of amount to pay after it was changed by Servicer. Attemtps to clarify failed. My payments were rejected when OCWEN could have clarified my understanding of how much to pay since they rejected it. I did not know the payment amount until today.
Company Response:
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2015-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-30
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Lender not willing to postpone schedule sheriff sale to allow us to proceed with a short sale. We are currently living in the property and have faxes the items numerous time to the lender
Company Response:
State: PA
Zip: 17404
Submitted Via: Web
Date Sent: 2015-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was asked by the homeowner, who has a mortgage serviced by Ocwen Loan Servicing to facilitate a short sale because her home remains under water. She has exhausted all possibilities to obtain mortgage relief under HAFA, HAMP, etc because her mortgage is not FHA, XXXX or XXXX. Her interest rate remains relatively high and she pays taxes and insurance separately. This mortgage started out under Homecomings. The home was listed for sale XX/XX/XXXX and most recently obtained a favorable offer at list price which still represents the need to do a short sale. All docs required for a short sale review were emailed and/or faxed to Ocwen between XX/XX/XXXX-XX/XX/XXXX. I was sent a message via XXXX by Ocwen to accept the short sale negotiation task which I did during this timeline as well. The borrower as well as myself have complied within 24hrs of all of Ocwen 's requirements and I received a notice from Ocwen that the home is being Auctioned. All parties, mainly the homeowner has a HUGE issue with this because she still lives in the home, is current on the mortgage, has obtained an offer at the marketed list price while Ocwen has NOT performed the required BPO or appraisal on the home, has not reviewed the offer nor completed the short sale guidelines based on my experience with Ocwen previously but yet has put the homeowner at a great disadvantage because advertising this home as an Auction on the internet totally jeopardizes her safety ... especially in this neighborhood! Upon my conversations with XXXX Ocwen representative today, neither of them could provide reasons for an Auction when they currently have a completed package, per their guidelines, to review. I was told that the " investor '' requested the auction. However, no value has been issued by Ocwen neither has the offer presented been reviewed or a counter issued by Ocwen or the investor. I am very concerned about these fraudulent practices especially when the borrowers account reflects over {$1400.00} in late charges from XX/XX/XXXX when the existing mortgage rate was raised to 11 % and foreclosure notices were issued. The interest rate was reduced to approx 8 % currently which grossly exceeds the market interest rate and Ocwen refused to eliminate and cease to collect on late charges that accumulated during the review and resolution time period and continues to grow.
Company Response:
State: MI
Zip: 48439
Submitted Via: Web
Date Sent: 2015-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No