Date Received: 2015-07-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We have payed over {$80000.00}. on our rental property this year. The mortgage balance is now {$3000.00}. We sent in our payment of {$1500.00} on XXXX XXXX. 2015. Check # XXXX. The amount of the payment due is {$500.00}. The payment represented our payment plus extra payment on the principal. Ocwen mortgage put in the wrong account. Our acct. # is XXXX. We have called numerous times but they refuse to give us credit even though we sent proof from the bank that the money was deposited into acct. # XXXX instead of our acct. Now they notified us the house is being placed in foreclosure with all the extra fees plus late charges. We have sent them certified letter explain what they did but they are ignoring us and saying they did n't receive the XXXX payment. We are senior citizens and need help to stop these crooks. We have never been late and we are paying this house off 25 years early. We understand that this a common practice with this company. Please help us or send us in he right direction for assistance.
Company Response:
State: CA
Zip: 96007
Submitted Via: Web
Date Sent: 2015-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan servicing refused to accept my mortgage payments via XXXX XXXX and over the phone. They said it was 3 months late and I must pay all that is due to prevent foreclosure. The problem is that I was not yet 3 months behind. I was 2.5 months behind. I told the agent this and I was told by him that he can not accept my payment. It seems like they just want to foreclose on my house. They 're crooks.
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2015-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: A International Promissory Note was sent too the CFO and the Research Dept to Discharge my Mortgage Note at Ocwen Loan in the amount of {$300000.00}, they stated that they could not accept it because it was not the full amount, Ocwen stated that they will send me a payoff quote, in which I received in the mail, Sent them another Promissory Note in the amount of {$310000.00} for full amount, the Research Dept of Ocwen stated that they would have to do research, I also fell to mention that I sent information on the Law in regards to the Promissory Note being Legal Tender, they kept XXXX the Promissory Notes for about a Month, Finally got a call and a letter from Ocwen stated that they could not accept my promissory note, I asked them why, and they could not give me a reason why. At this time they holding XXXX Promissory Notes.
Company Response:
State: CA
Zip: 95205
Submitted Via: Web
Date Sent: 2015-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen has been misapplying my mortgage payments and then claiming that I am not making my payments, and, as such, have been notified of possible default. In XXXX 2015, they applied my mortgage payment to an escrow account to cover property taxes and homeowner 's insurance even though I was making timely payments and my account was not impounded. The biweekly program I have ( XXXX ) had a conference call with me and an Ocwen rep ; the XXXX rep told the Ocwen rep that they ( Ocwen ) had misapplied not only my funds, but also other customers '. This issue took many weeks to clear up, with almost daily phone calls from Ocwen. Recently, Ocwen took one of my mortgage payments to pay my homeowner 's insurance, even though I was paying it. XXXX has no record of having received such payment. Now, I find out that Ocwen returned my mortgage payment that had been sent by XXXX back to XXXX. I only found out because XXXX sent me a courtesy letter explaining that they had sent back the check to Ocwen. According to Ocwen, I am " behind '' two payments. This is the result of their error, not through any fault of mine. Also, approximately three weeks ago, i got a call from an Ocwen rep at XXXX XXXX. When I notified her of the time, she dismissed my complaint.
Company Response:
State: CA
Zip: 91745
Submitted Via: Web
Date Sent: 2015-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Hello, This is not the XXXX time I have submitted a complaint about OCWEN home loans but this is enough! As of right now they have people coming out to the property address and taking pictures. I have submitted docusments for a modification and I still havent gotten any word from them. I tried calling several times and cant understand anyone who answers the call. Its impossible to understand what they are saying except they are transferring my call and it disconnects. I have had it! Not only are they not sending us any of our information- this violates ALL consumer laws. Nothing has been sent to us except a big packet of paperwork showing they send everything to our previous address. I am not getting XXXX shred of documention. I requested a modification and they legally are supposed to work with us modifying before they foreclose ... however someone coming and taking pics of our property is usually a sign that a foreclosure is near- we have not been notified- or given paperwork or a chance to save our home. I am sick about this. I work for a lender and this would NEVER happen or we would have been sued over and over again. Ocwen needs to get their stuff together, I cant contact them because its a dead call and I tried to email them and got a return email. I am at a loss as I cant contact anyone and they are trying to foreclose on a home that was violated by many laws as well as RESPA- years of paperwork hasnt gotten to us.
Company Response:
State: MN
Zip: 55429
Submitted Via: Web
Date Sent: 2015-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-05
Issue: Settlement process and costs
Subissue:
Consumer Complaint: XXXX XXXX I XXXX XXXX, via Postal Mail received a Modification Statement from Ocwen Loan Servicing , LLC . XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. The statement is date XXXX XXXX XXXX, Ocwen has always sent statements on or about the XXXX of each month with added late fees. I have complainant Ocwen of this Matter since XXXX. In this complaint this is not about mortgage statements late with added late fees as such. This complaint is focused on I XXXX XXXX have never applied for a modification with Ocwen Loan Servicing , LLC . XXXX, FL XXXX, or any government or servicer or bank, and I would never apply for a modification, as I have come to see from all the many settlements and law suits including the suit with Ocwen Loan Servicing , LLC . XXXX, FL, these Modifications are a scam, and do not help the homeowner. These modifications take alot of paper work and time, and the Homeowner has to quilfiy for this Modification and many time the trial fees are not applied to the debt and the money is forever lost in the pocket of the investors or the servicer or who can say where the money has gone. The statement dated XXXX XXXX XXXX say I oow XXXX modification payment and XXXX is due. I do not owe any payment to Ocwen, I have never send any documents to Ocwen nor where my place of employment or how long I have worked at my current job. I have never given Ocwen my personal information such a Driver License or Social Security Number, I have never given XXXX any information. Ocwen is aware I have filed Id THEFT in XXXX XXXX, and XXXX was The origianal Lender who was sued by all Attorney G, and shut down in XXXX. I continued to pay XXXX so I was lead to think.. yet how XXXX is gone. and how can i send money to XXXX when they are gone. My signature has been forged on a Hud-1. Ocwen is aware of this complaint and if you, look in your records, I Have filed complaints on all the serviers including Ahmsi-Homeward, who merged with Ocwen, prof can be found in the security Exchange. I have many many many issues in the matter, but here and now this complaint is against Ocwen whom has put me in a modification I never agreed to. Ocwen would have had to forged my information on documents, and forged my personal signature and address and id information. I have called FTC and filed Id theft against Ocwen, FTC case # XXXX. XXXX XXXX XXXX, I have file ID Thelft report with my state and County Police Department # case XXXX XXXX XXXX Police Department, State of Texas. I have filed a complaint and talk with Texas XXXX lending, this department is the Ocwen Loan Servicing , LLC . is registered\license ( s ). In my complaint on phone and in writing with Texas XXXX lending, I requested to see the modification documents Ocwen has, which show I did apply for this Modification in which they say I am now late XXXX, and XXXX payment. I also requested all phone conversations as I have called Ocwen and asked to get this issues corrected. Ocwen never returened my calls, I record all my phone converstaions its legal in the STATE OF TEXAS and I also tell the person on the other end I am recording for my protection. I have many phone calls recorded of Ocwen including a conversation of an employee saying there internal computer system is set on auto to add late fees and they the call center can not change the internal systems. My phone records and emails. Ocwen Loan Servicing , LLC . XXXX, FL XXXX, should be charged with Id Theift and criminal charges for taking money from me of a XXXX I do not owe, when they knew I have filed ID Theft in XXXX and now again in XXXX. Ocwen Loan Servicing , LLC . XXXX, FL XXXX, said
Company Response:
State: TX
Zip: 78681
Submitted Via: Web
Date Sent: 2015-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-05
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XX/XX/XXXX, my wife and I took a home equity loan of approximately {$130000.00} through XXXX XXXX. We XXXX clearly remember being told that after XXXX years, the loan would convert from a variable-rate, interest-only loan to a 30-year fixed rate, fully amortized loan. During closing, we were rushed through the process and encouraged to sign a large number of documents without the opportunity to fully read and understand them. Several years later, the loan was sold to another company, Ocwen. We have made all payments over the XXXX years in a timely fashion. In XX/XX/XXXX, we were informed by Ocwen that a balloon payment of approximately {$130000.00} was due on XXXX XXXX. We were shocked and devastated. We are XXXX seniors ( I am XXXX ) and unable to make this balloon payment. I asked for a copy of the loan document and it said that a balloon payment would be due after XXXX years. I began discussions with Ocwen, seeking a loan modification. I spoke with a XXXX XXXX, who was identified as our " relationship specialist, '' and after describing the problem, he told us there was nothing he could do for us. I next spoke to his supervisor, a XXXX XXXX, who was much more accommodatiing. Once he realized that our problem was not making the monthly but rather making the balloon payment, he advised us to complete a " request for loan modification '' document and to send it to him. My wife and I were both on the line at the time when he clearly told us that, in the case of an inability to make a balloon payment, in nearly every case the loan would be modified to a XXXX-year, fixed rate, fully amortized loan. He sounded very knowledgeable and confident in this regard. He encouraged us to keep in touch with him after the loan modification papers were submitted. On XXXX XXXX, we received XXXX via XXXX mail XXXX a denial of our request. The document stated that we were being denied because we had the ability to make our monthly payment. We were stunned. We knew ( and admitted ) that we could make the monthly payment on the loan, but we had submitted our request for loan modification based on the fact that we could not make the BALLOON payment. I immediately called XXXX XXXX. He was unavailable, but I was promised a callback within XXXX hours. When I did not receive a callback, I submitted an appeal ( via email ) to Ocwen 's Escalated Cases unit. In that email, I emphasized our inability to make the balloon payment. I restated our ability to make the monthly payment, and I asked that our case be reevaluated based on our inability to make the balloon payment. On XXXX XXXX, we received an email from XXXX XXXX denying our appeal based on the same criteria our original request was previously denied : That we were able to make the monthly payment on the loan. It was as if no one had even bothered to read the appeal to the Escalated Cases unit. I immediately called supervisor XXXX and was again told that he was unavailable. I was promised a callback within XXXX hours. To date, I have received no such phone call. I then sent an email back to the Escalated Cases unit and XXXX XXXX in yet another attempt to get Ocwen to be responsive to our problem. I have not yet received a response to that email. I seems no one at Ocwen XXXX except XXXX XXXX - whose ID number is XXXX ) seems to understand - or even wants to understand our dilemma. We feel threatened with foreclosure on our home which would be devastating. As XXXX, we have limited options in that regard. To make matters worse, we were forced to file a bankruptcy XXXX years ago, and we were unable to find anyone to refinance this loan. I have found that Ocwen has quite a history of questionable dealings with consumers, many of which have been reported to the CFPB. Please intercede on our behalf in resolving this issue which is so critical to us. Many thanks!
Company Response:
State: MD
Zip: 21158
Submitted Via: Web
Date Sent: 2015-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-04
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: mortgage loan ; we applied for a mortgage loan and we are told that have to wait until XXXX. we had filed bankruptcy XX/XX/XXXX with a discharge date of XX/XX/XXXX the mortgage that XXXX most recently applied, said the mortgage company did not report until XX/XX/XXXX that is our current dilema from our old mortgage company. i pulled a credit report and it does show on 1 credit company.can we get help to move forward with the correction on our credit report.
Company Response:
State: MI
Zip: 49423
Submitted Via: Web
Date Sent: 2015-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been putting {$6600.00} in my escrow account annually which is a combination with my mortgage. My escrow has increased annually, but not the property taxes nor my house insurance. The property tax and my home insurance has came at an annual total of {$5400.00}, which is covered with my automatic deduction. I received an overage in the escrow only twice since I have own the home since XX/XX/2007 the mortgage company receives the same property tax and insurance statement as I do. I just need to know where is my annual overages payments, because nothing has rolled over to the following year. XXXX has transfer their mortgage account to XXXX different companies since I have own the house.I called OCWEN who is the current account holder and they told me they can only go back 12 months for analysis and they sent me a {$300.00} check after that call, but what about the other years of taking.
Company Response:
State: GA
Zip: 31904
Submitted Via: Web
Date Sent: 2015-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I do n't know where to start with OCWEN. The XXXX and the Attorney General 's Office tried to help me but apparently Ocwen stuck their nose up at them. The most recent problem is that I sent over {$7000.00} dollars in payments to them because Ocwen holds on to the payments then charge a late fee. They were n't cashing the checks so I did n't know if they were getting all of them. They got all of them, cashed them, and kept the money. They gave a justification for keeping my money and refuse to apply it towards the next few months. I do n't have any money left and I need that {$7000.00} back, or I will lose my house. I am in tears, desperate and do n't know where else to go.
Company Response:
State: CA
Zip: 95838
Submitted Via: Web
Date Sent: 2015-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No