Date Received: 2015-07-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: To whom it may concern : Loan # XXXX and equity # XXXXOcwen illegally try to extort money from me using " legal '' ways! I just received from them a " Pre foreclosure '' notice package. Their XXXX located managers never clear explain their " math '', how they figured out astronomical " late fees '', they just pressure on me to pay. It is strange, that since XX/XX/XXXX till XX/XX/XXXX they just collected " late fee charges '' and never try to make a real foreclosure! It looks like a scam! I request to remove all unfair " late fee charges '' Ocwen collected for almost XXXX years, because : My previous mortgage company GMAC was sold to Ocwen at XX/XX/XXXX. Included are a copies of my payments to GMAC. They show, that I paid AHEAD for any coming month, so, GMAC never charged me with late fees, it is a hard proof, that I always paid AHEAD for coming month, at time, with XXXX days each month period without interruption! No any " late fee charges '' shown on GMAC statements. At the time my GMAC account was sold to Ocwen account, I still continue make mortgage payments of {$1000.00} the same way I did to GMAC in XXXX days each month pay period, it is showing on my bank statements. My very last payment to GMAC for XX/XX/XXXX was completed the same way, ahead, on XX/XX/XXXX. Attached is a copy of my bank statement at this particular date, showing payments. My first payment to Ocwen was completed by XX/XX/XXXX also ahead for XX/XX/XXXX ( in XXXX days of each month period ). So, there is no interruptions with payments. Each following month I did payments at time, ahead, except for XX/XX/XXXX and XX/XX/XXXX, because there was dispute with Ocwen. XX/XX/XXXX I did not pay for XX/XX/XXXX and XX/XX/XXXX I did not pay for XX/XX/XXXX, I missed those XXXX payments for XX/XX/XXXX and XX/XX/XXXX because of dispute with Ocwen. XX/XX/XXXX I did two payments for missing XXXX month and did third one mortgage payment for coming XX/XX/XXXX month with included " late fee charges '', so, instead of {$1000.00} I paid {$1100.00} to cover " late fees for missed XXXX month ''. The next payments in XX/XX/XXXX were done also ahead for coming XX/XX/XXXX months XX/XX/XXXX At XX/XX/XXXX I did mortgage payment for XX/XX/XXXX ... ....
Company Response:
State: WA
Zip: 98662
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: changing terms of loan from XXXX y to XXXX yover charging escrow taxesrefused to sent me a vod. validtion of debt per section XXXXXXXXbuying home insurancerefusing paymentsnot paying taxes
Company Response:
State: CA
Zip: 90220
Submitted Via: Web
Date Sent: 2015-08-03
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: My mortgage loan is serviced by Ocwen Loan Servicing , LLC . I suffered water & mold damage, resulting in an insurance claim. Ocwen required me to mail the insurance check to Ocwen so that Ocwen could monitor the repairs and pay me. Ocwen requires an inspector to inspect the repairs before issuing payments. On XXXX XXXX and again on XXXX XXXX, 2015, Ocwen employees assured me that they ordered an inspection while I was on the telephone with the Ocwen employees. Today, XXXX XXXX, 2015, 9 days later, Ocwen informed me they " forgot '' to order the inspection. Ocwen is telling lies. Ocwen employees assured me an inspection had been ordered while I waited on the telephone with Ocwen employees. How could Ocwen have " forgotten '' to order the inspection when the Ocwen employees told me the inspection had been ordered while I was on the telephone with Ocwen? Ocwen is intentionally, purposely causing me severe emotional distress and damaging me. My contractor is threatening to quit. My tenants are threatening to sue me for breach of the lease. Ocwen refuses to pay, when the insurance proceeds are my insurance proceeds. I need immediate help. My contractor is threatening to quit. My tenants are threatening to sue. Ocwen now says it will be another 5-7 business days just to contact the inspector, then additional days to schedule the inspection. Meanwhile, Ocwen refuses to pay money which is owed to me.
Company Response:
State: CA
Zip: 90069
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 had a FHA loan with a mortgage company who had set up an Escrow account for insurance and property taxes. Property tax was due for payment but the loan servicer did not pay it despite enough funds being in the escrow account resulting in penalty of {$160.00}. After the tax due date I had refinanced my mortgage and had to pay the penalty. I wrote and requested the Servicer for a refund but they denied saying that it was my responsibility and that nothing can be done as the account with them was closed.
Company Response:
State: CA
Zip: 95838
Submitted Via: Web
Date Sent: 2015-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing , LLC has stopped sending me monthly account statements. I am a XXXX veteran who has to rely on a volunteer to come in to write checks for me. Not having statements makes it very difficult for me to make sure I am timely with my payments. I have called Ocwen about this problem and they have refused to resume sending statements. They hung up on me when I was explaining this hardship.
Company Response:
State: MA
Zip: 01040
Submitted Via: Web
Date Sent: 2015-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Mtg was transferred and after this was done I was clocked from seeing statements and tax information from the selling mtg company
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2015-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I originally entered into a mortgage in XXXX and refinanced with XXXX Mortgage in XXXX. In XXXX XXXX agreed to pay {$320.00} XXXX dollars to settle claims of deceptive lending practices. I was not one of those whose mortgage was re-worked nor did I receive any funds from XXXX. In XXXX, XXXX brought XXXX and assumed the servicing of XXXX loans. In XXXX, XXXX foreclosed on the property by alleging that I owed {$88000.00} on a {$96000.00} loan. I claimed it had authority to do so under XXXX XXXX which is an open-end mortgage. The company granted only {$8000.00} toward the principal when, in fact, {$44.00}, XXXX was paid toward the refinance. XXXX attached a copy of the mortgage to the Complaint. The following items are missing from the document. 1. HUD 's Case Number2. Monthly payment information, and3. Interest amount. Under HUD regulations, the loan was a fraudulent loan, hence, the foreclosure should be even at this point, declared a nullity.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2015-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing , LLC is continuing the misconduct that was the subject of the federal complaint and Consent Judgment against them. My loan that was serviced by Litton Loan Servicing before its acquisition by Ocwen, had an unexplained inflated balance when I tried to attain loan modification in XXXX after I became delinquent on my mortgage as a result of a XXXX diagnosis which necessitated XXXX surgery and a lengthy recovery. Ocwen played games in the processing of the loan modification by saying after having acknowledged receipt of a complete loan modification package that documents that had been submitted were mysteriously missing and needed to be resubmitted in order for the loan modification to proceed. After months of playing the delay game with the modification processing which only extended the delinquency and resulting costs, Ocwen finally proffered a loan modification for my acceptance which included an inexplicably inflated principal balance and the addition to my loan of a balloon payment at the end of the loan despite the fact that my loan never had a balloon payment requirement. The inflated principal balance that Ocwen maintained was still due on the account was almost {$5000.00} more than what the balance should have been for the loan according to the loans amortization schedule, especially because the loan was never delinquent or in default before XXXX XXXX XXXX precipitated delinquency. Ocwen when I confronted them with my discovery of the inflated principal balance, they took the position that I was liable for the erroneous principal balance since I did not contest within 30 days the inflated balance represented in a XXXX letter sent to me notifying me of the transfer of servicing from Litton to Ocwen after Ocwen acquired Litton. The principal balance as reflected in the notice was already {$4000.00} more than it should have been when compared to the loans amortization schedule. Ocwen refused to provide justification for the inflated balance and they also refused to correct it. As a result, I could not accept the loan modification which I desperately needed because me signing the agreement with the inflated principal balance would have legally constituted my acceptance of the inflated balance as valid. Ocwen insisted that if I did not accept the unjustifiably inflated principal balance and the loan modification that I would surely face foreclosure. They engaged in a highly exploitative extortion by threatening that I either accept their fraudulent account balance or else I would lose my home to foreclosure. Because of their accounting misconduct, I was denied the loan modification I was qualified for under the law. Fortunately, because of a XXXX insurance, I was able to later bring the loan current by paying all of my missed payments along with penalties, additional interest and costs related to the Ocwen-extended default, and then Ocwen reinstated the loan. The inflated principal remained uncorrected by Ocwen. I made all of my remaining payments as required until my final scheduled payment due XXXX XXXX, XXXX. At that time I maintain that I had made all of my XXXX payments on the loan as agreed in the terms of the promissory note, and in fact I had paid well in excess of what the note required when factoring in the additional interest, penalties and costs arising from the XXXX default. I have refused to make any more payments because I have fulfilled my obligations according to the promissory note and the loan has been fully repaid. Ocwen has refused to provide justification for the inflated balance, and they not surprisingly have also refused to record a satisfaction of mortgage. They are now threatening foreclosure. Please help as Ocwen is continuing the very accounting misconduct that was the subject of the CFPB federal action and Consent Judgment against them.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2015-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: my mortgage holder people wanted me to give them illegal information on mt tenants rental application & rental agreement and I told them that I was not to jail for them because that is against the law and they called me and told they ca n't complete my modification with those XXXX items. so here we are.
Company Response:
State: CA
Zip: 90003
Submitted Via: Web
Date Sent: 2015-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX sold my loan to Ocwen Loan Services , LLC and ever since they have had my loan I have nothing but issues. I do n't get monthly statements, I ca n't understand my customer service rep., I never get a call back if I leave a message, I have to call back multiple times if I requested documentation, the IRS forgave {$50000.00} off of my mortgage and I found out 3 months later from this company.
Company Response:
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2015-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes