Date Received: 2015-07-20
Issue: Settlement process and costs
Subissue:
Consumer Complaint: A foreclosure was started in the court system on my home XX/XX/XXXX and the other party dismissed XX/XX/XXXX without prejudice and the servicing was sold to Ocwen from Litton, Ocwen started the modification nightmare with me and finally realized it was way too long of time that had lapsed so here we are over XXXX years later and they called my work and left message for me to call them. I called them back they are telling me they want to work out a resolution with me that lien is pending and that I might not necessarily have to pay the full outstanding balance that I could try for a settlement which would be subject to approval? Are you kidding me after all this time, is this a joke. Thank you
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2015-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: GMAC filed bankruptcy and sold our loan off. Ocwen financial now services it. XXXX years ago they showed us at XXXX on line for our loan. I set it up for auto pay bi monthly to pay it off faster. since then the amount has gone up to XXXX and yet we have not been late once nor have we missed any payments.
Company Response:
State: MO
Zip: 64119
Submitted Via: Web
Date Sent: 2015-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen lied!, I sent you how the mess up you are, They have a report on them thru Forida, a payoff toXXXX XXXX.If thats is what they due, well think about, does it go higher to the requators, that report to the attorney general.Ocwen has XXXX XXXX of assets out thier, no wonder all the lawsiuitsare letting them off the of, imagine all of this and thier senior loans can perhaps bring us to a nother ression, Dear XXXX, i hope they have not gotten to the regulators which l eads to the attorney general, I left out a lot of complaints on them.i love my country, please if you can pass this to the powers to be, but be really careful for they have intwinded us to a ression, I learned something today, they hold You!!!!!! by the strings/To you Ocwen, i made a mistake, i will now take names and IDs and notes on you.by the way my first complaint on you was to show how messed up you are!!!!!!!!!!!!!!!!!!!!!!! Now go live with yourself/ToAll Employess, would you finance with Ocwen??????????????
Company Response:
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2015-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I ask you to remove the part ( you must be part of them ) case XXXX, that was not right and i need your help so i appolgise, so if you can remove it that would be great.
Company Response:
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2015-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Here gors the story again, I paid ocwen XXXX off my principal in about XX/XX/XXXX, They post it minus the XXXX to principal witch is my payment, I also was told by some tech to apply an extra XXXX to principal, next day it shows up in escrow, then at that time all my payments are made to principal.They get them self off the hook and reverse everything to P & I but still apply everything to principal and as you know that can put me into a fore closure situation, than i must off gotten them reL XXXX, i GOT out of escrow.Paid by XXXX XXXX IN THREE DAYS & lt ; XXXX and change.Now they are still applying everthing I pay to principal only, I has to get to an ombusmen to get that changed after, this five months of reversal ofl hell.I have XXXX doc on these people, saving you the time.next great one, they add XXXX to escrow, tech says it has something to do with tax, well i have no escrow i guess cause I complain ed conviently they change that to a renibursement which was done well over a week ago and i have not seen my money.They have not reported me to the credit agencies right, they say my due date is the XX/XX/XXXX/my due date is XX/XX/XXXX/th ey had one of thier techslie and say we report that on your grace day, well that is XX/XX/XXXX.my due as it stand s is XXXX/XXXX/2015 unless they change it ( IT says XXXX XXXX ) .here is a list off thier instutial owners, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, very powerful ones, that pull Ocwen 's string as Ocwen pulls mine , I wish you to report this all over the internet and to all that can help, the third party servicing is fine but since they allow, they are all part of this, i can care less what they do to me, maybe instead off these litigation, we can go civil.i do not know if this works, but they are killing peo ple all over the place, i just need someone with the courage to put them in thier place, by the way they con tinue to buy time for they send me a letter and tell me it will be XX/XX/2015.You see what i mean.Remember, i have saved app XXXX SAVE MAILED DOCS FROM THEM, I CAN FAX THEM ALL TO YOU, BUT I AM SURE YOU HAVE LOTS MORE TO DO, TOO BAD A ROTTEN APPLE HAS TO STINK UP THE, REST, SINCERLY, XXXX XXXX, Ps i have proof they post date, they di not even inform me my escrow was to go from XXXX to XXXX, they have broken all the laws!!!!!!!!!! oh afte the ca oversite commitee had them reverse all those payment up to XX/XX/XXXX, they continued to do principal only!!!!!!!!!!!!!!!!, like I said i can fax it all to you!
Company Response:
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2015-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing LLC as servicer for XXXX XXXX XXXX XXXX have filed a civil case against us in XX/XX/XXXX in XXXX XXXX County case # XXXX which lists XXXX XXXX XXXX XXXX XXXX as Trustee under Pooling and Servicing Agreement dated as of XX/XX/XXXX XXXX XXXX XXXX XXXX, despite the facts that we, XXXX XXXX and XXXX XXXX were not in default when the summons was filed. We were current and have proof of said payments. Are you aware that the plaintiff in this case is XXXX XXXX XXXX XXXX and is in default of its obligations under applicable Federal and State laws? The servicing agents are not the real parties in interest. XXXX XXXX XXXX XXXX lacks the authority to proceed but have intentionally and fraudulently filed papers and posted notices as though the authority was present.
Company Response:
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2015-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: After seeking the assistance of CFPB last year, I was finally able to secure a loan modification of mortgage loan with OCWEN. After going through the required trial period, my loan modification became finale starting on XXXX XXXX, 2015. In addition, I signed for ACH automatic payments to ensure my timely payments. However, the first direct payment was delayed because of supposed internal computer glitches. It appeared the glitches were resolved and OCWEN proceeded to debit my personal bank account for the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments. Therein lies the problem, despite having automatically taken my payments from my account, on XXXX XXXX, XXXX OCWEN sent me a letter stating I was now 31 days past due. In addition, I received XXXX letters dated XXXX XXXX, 2015, with the first letter purporting to confirm my request to cancel the ACH payments and the second letter notifying me that my loan was being transferred to XXXX.
Company Response:
State: MA
Zip: 02703
Submitted Via: Web
Date Sent: 2015-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: {$5900.00} owed for fee/other has showed up again on Ocwen Loan Servicing 's web-site. This is the third time in the last year. They have removed this XXXX other times. I am in the process of refinancing my mortgage and I believe that they are going to try to collect this amount in the pay-off. This amount is not in their pay-off quote and has never appeared in any statement. This is my XXXX complaint. Do I have to go to the AZ Attorney General?
Company Response:
State: AZ
Zip: 85338
Submitted Via: Web
Date Sent: 2015-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-16
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XXXX of 2012 We had some financial issues and had to file for chapter XXXX bankruptcy. Immediately following our filing date, Ocwen did an escrow adjustment raising the amount of our monthly payment from {$480.00} to {$660.00}. They also at this time stopped sending us a monthly statement. When I talked to a representative they told me their system was down and were unable to send a statement at that time nor did they tell me of the rate increase. Being that we had just gotten all the necessary paperwork completed for the bankruptcy, we were under the assumption that all delinquent amounts were accounted for and set up in the payment plan to our trustee. After several months the bankruptcy attorney had informed me that Ocwen had still not responded to the claim from the trustees office and asked if I would contact them to see what was the matter. I contacted Ocwen a second time and was told they had not received a claim. I again asked about a monthly statement and was told again that their system was down and no one was getting a monthly statement. Soon after, the bankruptcy attorney contacted me again stating that Ocwen had filed the claim, however it was past the deadline and rejected by the trustee. I contacted Ocwen a third time and was told we needed to file for a modification and that the claim amount they filed was incorrect. They also informed me that we were now further behind in our payments. I told them we had been making our payments every month and they said they were not accepting the payments because they were only partial payments. This is when I became aware of the additional amount for escrow. I told them I was unaware of any increase because they had not been sending us a monthly statement. I inquired about the statements again and got the same response as the previous XXXX times. Time has gone by and we still have no resolve in the issue. The trustee has not made any payments to Ocwen, because they have no claim on file. Ocwen also failed to notify the trustee of my monthly payment increase. I have contacted Ocwen again and reapplied for a modification but was denied. I asked about monthly statements again and was told this time I needed to request them. So, because of Ocwen not following through the way they should have, and because of not getting any statements showing what was due, they are now showing us to be more than {$12000.00} behind our original amount past due which at time of filing was just over {$3800.00}. This has now placed approximately {$400.00} a month more towards our monthly expenses. {$170.00} towards our mortgage and an additional {$200.00} towards our trustee payment. We are trying very hard to make this right and to keep our home. However, we feel that Ocwen is doing everything they can to make this impossible.
Company Response:
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2015-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Trying to get PMI removed and went through Ocwen 's process to have a new appraisal. Once that was done we had to put {$780.00} more toward principal to have PMI removed, sent in {$800.00}, they put it toward escrow. Got that fixed then they went back to our appraisal from 3 years ago. Now trying to get it removed before the 90 period is up for them to use the current appraisal.
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2015-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No