Date Received: 2015-07-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: # 1 - OCWEN continually wrongly asserts that I am behind in my payments. We entered into a Loan Modification Agreement XX/XX/XXXX. I made all trial payments ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) well ahead of time. I even have mediation documentation signed by an attorney representing OCWEN stating that I had made all trial payments. I have documentation of payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. By all accounts, I have overpaid by XXXX XXXX dollars. Yet, I am receiving notifications of being XXXX months behind in payments. All along, getting charged additional interest, late fees, and possibly reporting bad credit. # 2 - OCWEN inexplicably cancelled an automatic payment plan before it even started. On XX/XX/XXXX, I set up automatic payments to begin XX/XX/XXXX ( I have documentation ). When the payment did not come out of my bank account, I called OCWEN on XX/XX/XXXX to see why not. They said that the plan expired XX/XX/XXXX ... even though it never started ... and they had no explanation as to why. It is this type of operation that gets people in trouble with them. So, since my payment did not make it to OCWEN by XX/XX/XXXX, they now have charged me an additional {$19.00} to make the payment over the phone. # 3 - I requested that OCWEN perform a research investigation into my account XXXX days ago. They have yet to acknowledge the request ... let alone the results. I now believe that this is all intentional and predatory in nature.
Company Response:
State: OR
Zip: 97501
Submitted Via: Web
Date Sent: 2015-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-15
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am having an issue with Ocwen. We requested a short sale and sent a complete package and Ocwen acknowledged receipt of the package on XX/XX/XXXX. With a sale date of XX/XX/XXXX, the package was received prior to the 37 day deadline. Ocwen keeps asking for a rental certification ( the house is NOT rented ) We have repeatedly told them the house is not rented. Then they asked for a Social Security Awards letter. The homeowner has been getting social security for 25 years and does not get a " awards letter '', just a XXXX. We have sent this to Ocwen three times. They are just trying to delay so they can take the house to sale. They have unclean hands. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Ocwen verbally advised that they would review the buyer 's cash offer for closing before the foreclosure sale and also stated that they could request a postponement on the foreclosure, however have not done to to date. Also, the note was rescinded on XX/XX/XXXX and Ocwen is not honoring this recission.
Company Response:
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2015-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Greetings, After an escrow analysis OCWEN indicated that if our loan was contractually current, they would refund {$4300.00} in escrow overage. We spoke with their Ombudsman XX/XX/XXXX ( around XX/XX/XXXX ) and they indicated that we need to be current as of XX/XX/XXXX so we agreed to pay XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX and they agreed that should be fine and they would send us the overage. The person stated that it takes a few days for their system to apply the XXXX payment we made on XXXX/XXXX/15 so as of XX/XX/XXXX we were still technically late since we did not make the XX/XX/XXXX payment on XXXX/XXXX/15. This was fine by us and we planned to make XXXX payments of XXXX for XXXX and XXXX on XXXX. We noticed today ( XX/XX/2015 ) that their web site indicated that we are not longer current on our mortgage due to some payment reversals that Ocwen made on XX/XX/2015. They now say we owe for XXXX 2015 in the amount of {$1100.00}. We assume that we then will also owe for XXXX and XXXX 2015 as well. We spoke to their Ombudsman today and they indicated that they are not sure what has happened and agreed to contact their bankruptcy department ( we are in chapter XXXX ) and for us to call back in 7-10 business days. My wife contacted them regarding a similar issue a few months ago and her call was never returned which prompted my most recent complaint before this one to get answers and to get the escrow analysis we requested XXXX months ago. We finally did receive the escrow analysis which indicated that we need to pay the " contractual '' amount of {$2200.00} as opposed to the post petition amount of {$1900.00}. At this point we are not sure what payment to make and do not understand the payment reversals. If we wait 7-10 business days we will be really close to XX/XX/XXXX and the next payment will be due. Should we pay what is reflected on the web site for XXXX 2015 ( {$1100.00} ) or the contractual amount of {$2200.00} or the post petition amount of $ {$1900.00}? It seems to take a while for them to respond to we decided its best to at least file a complaint with you. We are not attempting to be difficult. We just want to know what payment to make and if the escrow analysis they provided is still accurate. Our chapter XXXX was scheduled to be done by XX/XX/XXXX but we are still making the last few payments and we have not been formally discharged. We suspect that their system automatically did these payment reversals assuming we were out of the chapter XXXX. We have no proof of that, just a coincidence that this happened in XX/XX/XXXX. Please help us understand what is happening with our mortgage. Thank you for your help as always.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2015-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan documentation states that private mortgage insurance is to be automatically terminated on XXXX XXXX, 2015. My loan is current and all of my payments have been made on time, yet Ocwen ( who purchased my mortgage ) refuses to terminate the PMI. I have provided them with the document that I signed at loan closing indicating that the PMI is to be automatically terminated on XXXX XXXX, 2015. However, they keep on sending me " Borrower Requested PMI Cancellation '' forms that require me to pay for a current appraisal. The termination document states that the PMI should terminate automatically by the lender, and that this is based on the original home value and the date when the loan is scheduled to reach 78 % according to the original amortization schedule. I have contacted Ocwen several times and each time they have indicated that they will send the issue to their PMI department who has done nothing but send me " Borrower Requested Cancellation '' forms and insist on me paying for an appraisal.
Company Response:
State: IN
Zip: 46038
Submitted Via: Web
Date Sent: 2015-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: OCWEN MORTGAGE SERVICING IS HOLDING PAYMENT OF THE POLICY LIMITS FOR UNDISPUTED DAMAGES TO OUR PROPERTY DUE TO FIRESINCE XXXX XXXX, 2014. WE HAVE CONTACTED THEM IN WRITING XXXX TIMES SINCE XXXX SUPPLYING UPDATES ON THE REBUILD AND PROOF OF PAYMENT. THERE HAS BEEN NO RESPONSE OR REQUESTS FROM OCWEN REGARDING OUR COMMUNICATION NOR HAVE WE RECEIVED OUR CLAIM CHECK.
Company Response:
State: MN
Zip: 55304
Submitted Via: Web
Date Sent: 2015-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My new lender, Ocwen ( I believe they purchased my loan from XXXX XXXX XXXX ), has continually harassed me for proof of insurance at my condo, which is insured through my XXXX ( XXXX XXXX XXXX never asked for this ). Every time Ocwen has asked for this I have submitted the proof of insurance as supplied by my property management company and their insurance partner. However, Ocwen has now started charging me over $ XXXX/month for a separate insurance policy they have taken out without my permission, and this has happened for XXXX months in a row now. And their " customer service '' phone service is absolutely horrendous. After listening to several minutes of automated messages, most of the time I " mysteriously '' get disconnected. I even tried calling their " Consumer Ombudsman '' service yesterday and, after getting mysteriously disconnected even there the XXXX time, proceeded to leave a message though I doubt I 'll hear from anyone. I have demanded several times now that they immediately stop charging me this escrow charge and also reimburse me for previous months ' charges, with no response. I have tried this via email, official submission online, fax and phone.
Company Response:
State: CA
Zip: 94952
Submitted Via: Web
Date Sent: 2015-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-14
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: HI, my complaint is about a modification that I got back in XX/XX/XXXX, and now that I have put my house on the market and went to closing on XXXX XXXX, XXXX there has been a big problem with the mortgage company the I got the modification with, My realtor and the title company has not been able to get the pay off balance from this company, because they keep coming up with different situation preventing the title company from getting this pay off balance, and this company charges me an additional 10 % of the proceed in which I amto received from the selling of the house, and I received a XXXX from them in XX/XX/XXXX in the amount of {$8800.00} during tax time, this is just a big mess and they are just ripping off innocence people that are in the need of help, I got laid off of my job in XX/XX/XXXX and got more hours to work on my part time job to make ends meet, so now as it goes, I will receive a little of nothing after this loan company takes the proceeds and If I am not mistaken it was 6 % and it has increased to 10 %, I 'm sure that I am not the only one with this problem so please, please help me, because I this that this company taken the advantage of certain races or all, and all the people that are working with this account states that they have never heard of such in all of their working with mortgage /loan companies. Thank you so much for your time
Company Response:
State: VA
Zip: 22309
Submitted Via: Web
Date Sent: 2015-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-14
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: ocwen hasnt updated my credit report since 2012. i 've contacted them several times and they give me the run around much like when they fraudulently foreclosed on me in 2012.ive asked them also what house was sold for on foreclosure they will not tell me nor was a deed of trust filed with the county it was sold in. they bounce me around to XXXX and back to them and i get no where. im trying to get approved for a home loan and this is my hang up says my mortgage officer.
Company Response:
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2015-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-14
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was approved for a loan modification in 2014. I made my trial payments, then suddenly Ocwen started returning my payments. When I asked why they replied my funds were n't certified or something to that effect. I contacted them again about my payments being returned and they said my loan modification was still being processed ( mind you I 've been approved and made my trial payments ). I recieve a letter stating my modification was disapproved ( mind you I 've already been approved last year ) I contact them again, I revieve a letter saying there is " an issue with my mortage title that will not allow me into the program. I contact them to inquire what the issue is with my title so I can straighten it out, I then recieve a letter saying my appeal is being reviewed. I never appealed an application which was approved. How could I have been approved last year with an issue with my mortgage title? How can I be disapproved for a program I 've been approved for and have not missed making a timely payment since then? Basically all I want to do is be on track with my payments, Ocwen accept my payments and move on with my life with the security of as long as I do my part I will continue to have the same roof over my head.
Company Response:
State: MD
Zip: 21040
Submitted Via: Web
Date Sent: 2015-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-14
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XX/XX/XXXX, Ocwen Loan Servicing sent a notice regarding a settlement that I was eligible to participate in. The claim form was returned before the deadline. I spoke to someone who confirmed that not only was the form received, but they also gave me the amount I 'd be receiving. XX/XX/XXXX, I called to check on the settlement payment. I was told that the check had been mailed. It 's now XXXX, a year later, and I still have n't received the check. I 've called Ocwen a few times, the last time being XX/XX/XXXX. I keep being told that I 'd have to send a written letter to Ocwen 's research department. If a check was mailed in XX/XX/XXXX, why do I need to write a letter to the research department. Either the check was sent or not. This is unacceptable! This mediocre way of doing business is exactly why Ocwen was in violation of so many things and a settlement was reached in the first place. This issue has lingered on long enough. As a XXXX-year veteran XXXX, I 'm highly offended that this issue is still continuing and I 'm still getting the run around. Any assistance provided would be greatly appreciated!
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2015-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No