Date Received: 2015-07-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Tired to get a loan modification through Ocwen. My mother was put in an assisted living and my wife lost her job. After getting nowhere with Ocwen 's Off Shore call Center I wrote to Senator XXXX XXXX Office. I got a woman named XXXX XXXX who attempted to help me even she could not get anywhere with Ocwen.
Company Response:
State: MD
Zip: 20715
Submitted Via: Web
Date Sent: 2015-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: When I was a XXXX in college, my identity was stolen and used to purchase properties with what the FBI called " straw mortgages '' by XXXX XXXX and XXXX XXXX. They did this to several people and you can google their names to read about the federal case. GMAC Mortgage was one of the mortgage lenders who gave me ( an XXXX year old working part time who claimed $ XXXX on her last tax returns ) a loan without properly verifying my identity or my ability to repay. After several years of fighting my case with both GMAC and the credit bureaus ( not to mention the thousands of dollars spent on my legal fees ) GMAC finally consented on XXXX XXXX, XXXX that this loan was not my responsibility and they would, " have the credit reporting amended and remove your involvment with the loan servicing activities. " Subsequently, they sold this loan to Ocwen Loan Servicing. Since then, I have been harrassed to pay off this debt. When I first discovered they were negatively reporting to the credit bureaus and mailing my parents threatening statements back in XX/XX/XXXX, I contacted the company and provided them my current address as well as all the documentation from GMAC stating that I was n't responsible for the mortgage. They removed the negative credit lines. Then in XX/XX/XXXX they started reporting negatively on my credit again. During this time period, they continued to mail statements to my parents address multiple times a year. Again, I contacted the comopany and provided my current last name, current address and verification that the trade line was n't mine. On XXXX XXXX, XXXX Ocwen sent me a letter confirming that they acknowledge the loan is not my responsiblity. This letter was sent to my correct last name and address. However, to this day my parents are still forwarding me bills and insurance statements mailed to the incorrect name to the incorrect address. Besides the fact that they 're mailing personal information to the wrong address after being provided the correct one, I do n't feel like I should still be receiving statements for this loan at all. It was not my responsiblity. I have nothing to do with this house or this loan. I was a victim of identity theft. It has been 11 years now and cost me thousands of dollars and I 'm still fighting this because mortgage lenders were too greedy to properly verify income or ability to repay so they gave an XXXX year old college student hundeds of thousands of dollars in a mortgage. I want my name to be removed from this loan file and I want any future correspondence to be mailed to the correct address.
Company Response:
State: FL
Zip: 32533
Submitted Via: Web
Date Sent: 2015-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was informed by several lawyers that my Ocwen mortgage should have been part of the lawsuit for fraud and robo signing. I contacted the Illinois attorney general and they attempted to intercede on my behalf. Ocwen wrote back to the attorney general saying that they have found no evidence of robo signing of fraud or deceptive practice. Then the go on to say that they need me to be more specific about my complaint and allegations. That is extremely difficult because my loan has been handled by numerous other fraudulent companies that have since disappeared along with the paper trail required by law. My loan wen from option one to homeward to home servicing and a couple more in between all have ceased to exist since the were squired by Ocwen. I tried to get records and documents from the prior loan companies but no phone number or addy exists for them. Ocwen has carefully snuffed out all means of contact and all means of proving fraud and robo signing. No I 'm in pre for kosher because when I applied for a modification Ocwen granted me one with a higher interest rate and the payment only a few dollars away from the mortgage I could n't afford. I am being told to apply for another modification. Today I received the certified letter about the pre foreclosure even though my representative from XXXX Ocwen told me that would not happen. The pre forclosure letter gives me XXXX days before Ocwen issues a full forclosure. I was assured by the Ocwen rep. that she would call me back on XXXX XXXX to dicuss other options and the new modification. Help
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2015-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have contacted Ocwen several times in the past year regarding mortgage assistance. We have a balloon payment due XX/XX/XXXX, and have been unsuccessful withOcwen to help find a solution. We dont have the resources to pay the balloon payment, and the home in 'underwater ', so we cant re-finance. I have submitted the proper documents to Ocwen in a timely manner. Our most recent rejection was today. We have sixty days before the loan matures. It took less than two weeks for their decision. Because of our income we do n't qualify for a govt program, and because we still have the ability to pay our monthly payment, Ocwen wont offer a modification. I asked if the loan had to mature before they would consider a modification, and was informed that nothing could happen after the maturation date. They want us to lose our home! We have occupied this house since XX/XX/XXXX.
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2015-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been experiencing financial hardship since XXXX of 2013 due to the process know as " sequestration '' I work in XXXX and have yet to recoup losses of personal income due to this political action by the US Congress. I have remained one month behind in my mortgage payments since that time. Now, I am receiving unwanted debt collection calls from a mortgage loan servicer at my XXXX office telephone. This mortgage servicing company ( Ocwen Loan Servicing ) took over my mortgage in 2013 as a result of a bankruptcy filing from GMAC. The company has been told not to call me at my office but the calls appear to be robo-calls. In addition, this company has imposed high cost fees and penalties onto my note in an effort to overwhelm and out distance any ability for me to rectify my loan payments and make them current in order to release my " default ''. I feel this is unscrupulous behavior on the part of this company. I want to bring my note up to date but because of this servicer 's automatic fees and penalties, I am in a deep trench. I need assistance to find and secure another lender to offer me a chance to refinance a new BETTER mortgage ; even if it is at a higher interest rate. I hold more than 60 % valued equity in my home, I am in the 16th year of a 30 year mortgage and was NEVER LATE for 14 years of payments under GMAC. I need to be out from under this company 's indifference so as to pressure the homeowner for profit along with my horror and anxiety over the possibility that I might lose of my home. Trying to negotiate with Ocwen has been a nightmare, they are not a lender and they do n't remember the request for assistance from one month to the next month.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My " mortgage company '', only because GMAC dropped us there when they quit us, Ocwen once again is trying to push us, who have never missed a mortgage payment in our lives, into default by continuously not mailing us a payment request form. They did this to us a year ago and after complaints they resumed sendings. Last month : nothing ... we had to dig up information and write them a letter along with our payment. This month again nothing. they seem to be trying to deliberately cause a problem for us. We onle owe {$48000.00} on a {$200000.00} home. they seem to want to get their hands on our home through default.
Company Response:
State: NJ
Zip: 08109
Submitted Via: Web
Date Sent: 2015-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received yet another XXXX page pile of papers from Ocwen, designed to confuse and baffle customers to the point of insanity. In XX/XX/XXXX I was cancelled by my insurance company for simply putting in a claim for damages caused by a XXXX tornado in XXXX, NY. That is such a strange occurrence that it was on the national news, featuring my very street and house. After taking six months to repair minimal damages, the insurance company cancelled my policy ; before I could make other arrangements Ocwen placed XXXX on the home. Okay, fair enough. In XX/XX/XXXX, I took my retirement from XXXX XXXX XXXX in a " lump sum '', in order to get out of debt with EVERYONE I owed anything to. In XXXX, I called Ocwen XXXX at this point I had no idea how convoluted this corporation is ), and asked this simple question ( to a person located in XXXX reading from a script ) HOW MUCH DO I OWE YOU? I knew I was XXXX payment behind, from XX/XX/XXXX. The mortgage is supposed to be {$740.00}, and I was given a figure of {$1800.00}. That was supposed to be the mortgage for the missing month, XXXX XX/XX/XXXX XXXX, the mortgage for XXXX PLUS {$370.00} in " fees ''. Okay, I paid it, and the check cleared. The bill I received in XXXX was still highly inflated, so I called AGAIN, and talked to yet another person in XXXX who I could barely understand. They were adding in the LPI, so I asked HOW MUCH to pay that off entirely. I was given the figure XXXX, which was supposed to be {$760.00} to pay for the insurance for THE YEAR, plus the mortgage payment for XXXX. AGAIN, I was told to send this to the payment center in XXXX XXXX, IL. XXXX I did not know at that time that Ocwen has different " departments '' all over the country and all over the globe. The home office is in XXXX, research department in XXXX XXXX XXXX, Insurance Department in XXXX XXXX, call centers in XXXX XXXX primarily ), XXXX So obviously, as Ocwen is so famous for doing, the {$760.00} for insurance was " lost '', and to this day they are trying to collect it, along with thousands of dollars in " fees ''. Since calling Ocwen XXXX, once in XX/XX/XXXX, and once in XX/XX/XXXX and asking for a TOTAL of monies owed, and I have proof of them clearing and have not missed a payment since, why oh why are they still harassing me? The latest was attempting to raise the mortgage by {$150.00} a month for insurance which we supposedly did not buy in XX/XX/XXXX even though our insurance agent has provided proof XXXX times, to the point whereas I am embarrassed to ask him to do it YET again. Copies have also been mailed to your organization and to XXXX as well. As inept as this company is, I REFUSE to attempt to communicate with anyone associated with them any longer. I have lost two years of my life attempting to do so. They have an " ombudsman '' who works for them whom I am supposed to contact. Yeah, right. They lose checks, misappropriate funds, I have received over half a dozen letters stating that they have not received payment for the month when the check has cleared. The letters are all dated AFTER the check has cleared, so it 's not a mail issue. Speaking of mail, up until I learned what kind of company Ocwen was, I used to send my payments regular mail, and no matter when they were mailed, XXXX weeks would inevitably elapse before the check cleared. They sat in a box until the late fee could be added. I used to say they used XXXX XXXX. Then I began sending them certified, same time as always, and a miracle happened. Since I could PROVE when I had mailed them, they could no longer attach the late fee! There is a " grace period '' until the XXXX. I WISH I could provide " proof of insurance '' for XX/XX/XXXX-XX/XX/XXXX, but I paid it to OCWEN, and it is obviously lost in outer space or in some employees or CEOs pocket.
Company Response:
State: NY
Zip: 12306
Submitted Via: Web
Date Sent: 2015-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have not received a mortgage statement from Ocwen Loan Servicing since XXXX XXXX, 2015. When I called to see why I have not, I was told there was a glitch in their system and they do not know when I will receive my statements. I have a loan modification and was scheduled to receive a {$31000.00} deferred principle adjustment on XXXX/XXXX/2015 and I have no record that they did that. I am current on my payments.
Company Response:
State: CA
Zip: 92084
Submitted Via: Web
Date Sent: 2015-07-24
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: Ocwen bought our discharged chapter XXXX bankrupt loan from XXXX mortgage in XX/XX/XXXX. Our bankruptcy was complete XXXX XXXX they have harrassed us for payments for loan and home insurance for the past 5 years on a house that we did not own. We have sent them file after file, and calling to no avail, even having our attorney help us. They finally discharged our debt XX/XX/XXXX, completely ruining any chance of cleaning up our credit. We now have to wait another 4 years before we can purchase a home which is where I would set up my business. Ocwen needs to have a Class Action law suit filed against them
Company Response:
State: WA
Zip: 98201
Submitted Via: Web
Date Sent: 2015-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-24
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: We have been in our home since XXXX. In XXXX, we changed our loan, due to the APR and balloon payment of our XXXX mortgage. XXXX, was the loan processor, here on XXXX. Somewhere in this transaction, there was rob-signing, along with some other issues on the loan. Over the next few years, our loan was bought and sold XXXX times. I processed a loan modification in XXXX, which was approved. Our payments had been around {$4200.00}. with tax and insurance, and were reduced to {$3300.00}. per month. In XXXX, I was put off work by physicians, and we were having difficulty with the mortgage. In XXXX, we applied for a HAMP, ( loan mod. ) and were refused. We have since employed a person for assistance with this issue. It was discovered that our loan, was indeed, fraudulent. Since this time, we have been trying to resolve this issue. We were served Summons papers on XXXX XXXX, regarding a threatened foreclosure on our home. We were to file with the courts, what our intention was, on our property. The summons came from the office of XXXX XXXX. Our issue is with XXXX, and their service company, OCWEN. When XXXX XXXX was contacted last week, they stated, " we do not have a loan with XXXX and XXXX XXXX ''. They could not find us in their system by name or social security number. We submitted on XXXX XXXX, a dispute regarding the multiple offenses regarding our loan. I have attached several letters written by our representative, which were sent to the Court, and the office of XXXX, attorney at law, on XXXX XXXX. These letters are of great concern to us, and we really need our loan, looked at. I will forward our latest billing from Ocwen, which includes penalties, and late fees. This will have our loan number on it. Also I will attach the Summons, and XXXX I will send the XXXX letters written and delivered to XXXX, and the XXXX XXXX, XXXX, Hi I also need to know if this person helping us is fraudulent in any way. Her name is XXXX XXXX, XXXX XXXX XXXX. I also would like to know if XXXX XXXX XXXX has any bad reports. I just started talking with XXXX XXXX XXXX ( XXXX ) regarding this issue and they recommended a quick short sale. We are so confused at this point, we do not know who to trust. Please help ASAP. We only have a week to decide and file with the Courts if we want to short sale.
Company Response:
State: HI
Zip: 96789
Submitted Via: Web
Date Sent: 2015-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No