Date Received: 2015-06-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage servicer sent me escrow analysis and notifiedme XXXX/XXXX/15 that escrow was increasing. I reviewed it and itwas incorrect. I called them and they agreed and were torecalculate it. They have not, and it has been a month +In the meantime, I get a cancelation notice from myHomeowners! Called them, they said they are sure it wassent! I called Ins. company, they said to have them callthem. I called Ocwen back, they said they do not call ins. companies. Called Ins back, they said XXXX, they do all dayCalled Ocwen back, they put me on hold for 45 min. Thencame back and said, oops, you we mailed to wrong addrss '' I still do not have the revised escrow analysis ''. I can not trustthis servicer at all! Terrible, service.
Company Response:
State: FL
Zip: 34689
Submitted Via: Web
Date Sent: 2015-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Our mortgage was at one time held by GMAC Mortgage Co. but before they closed their doors for good they sold contracts thru out lending companies. Unfortunately, with no knowledge to us and or even given a choice as to what company was a preference, our mortgage was sold to Ocwen. Which if we were given a choice Ocwen would NOT have even been considered. Since Ocwen has had our mortgage there has been nothing but problems. Ocwen is absolutely horrible, unprofessional to their clients, unorganized and deceiving/ dishonest. I do n't care how long they have been around ( which I have no idea ), they should have no right ( s ) to hold mortgages. Thru the past several years I have had to call Ocwen due to various notifications sent to us by way of U.S. Mail by them. I eventually had to start keeping a " ledger '' because of their incompetence in getting straight truthful answers from them. Not to mention having an extremely hard time understanding them. On numerous occasions they claimed we were late on a payment, trying to charge us a late fee, only then calling them and confronting them on the issue they would act like they are listening, then let you know they were going to put you hold, then come back and inform you there had been a technical error and all charges would be dropped. Please note that until recently ( XX/XX/XXXX ) we had NEVER been late on a house payment, no matter who held our mortgage. Also we have an escrow added onto our mortgage to cover taxes and insurance, yet sometime back Ocwen sent us a notice claiming we needed to pay our taxes to keep from putting our mortgage in jeopardy. When I called them, there response was again being a technical error and reassured us that all would be taken care of. Needless to say I have had to call Ocwen on the average of XXXX to XXXX times yearly ( since they have held our mortgage ) because of their technical errors. In the month of XX/XX/XXXX, Ocwen sent us a notice that we had not even made a payment for that month. I was now furious, called Ocwen not just to question where the payment was because I paid it on line with a confirmation number but I demanded something be done because I did not want there incompetence showing up on my husbands credit report!!!!!!! And AGAIN, it did show that payment was made and according to Ocwen it was either an oversight of the person registering payments and or a technical error!!! Most recently we are experiencing a major difficulty with Ocwen, more so than any other time, to the point of possibly having to lose our home of 30 years. When we asked for help and to inform them that there was no way possibly we could afford the " new '' payment increase of {$300.00} more per month, which we were only given a 3 1/2 week notice of said increase , Ocwen has been little help, they have denied our modification that we filled out and sent back to them, they have refused to accept at least XXXX of the new payment ( which is the same full amount of payment we made for the prior month ) to show it as good faith on our part to try and keep our home and until matters could be resolved. We were assigned a representative manager with appointed dates for phone conference but have yet to speak to HIM. The most recent rep informed me, when I asked if they could possibly help us refinance, I was told " NO '' because they do not offer that because they are a " loan service company '' and not a mortgage company. I then asked as to why they have the rights to hold our mortgage!!!! I could go on and on as to Ocwens inabilities, and I DO have dates, names and badge numbers as to times I have had to call Ocwen. This company shows no remorse as to the hardships of their clients, in fact I DO KNOW of XXXX other couples that have ended up losing their home because of Ocwen and having similar experiences/ hardships as we are experiencing. I now pray for the day that Ocwen has to pay for their actions!!!!!!
Company Response:
State: MI
Zip: 48192
Submitted Via: Web
Date Sent: 2015-06-19
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: As most people right now, my husband and I are having financial difficulties and are past due on our mortgage. We have had nothing but problems with our mortgage servicer, XXXX XXXX. They have returned payments, just so that they can show us more delinquent, instead of applying it towards the amount owed. Now, they keep our payments but put them in a suspense status, again, just to show us more delinquent then we really are. We have called them and were assured that the payment would be applied to the account. The payment was made on XXXX/XXXX/15 towards the XXXX bill. It is now XXXX, and the payment STILL has not been applied towards our account. We STILL show delinquent for XXXX. Our mortgage company is purposefully performing these actions, complete UDAPP violations, just to show us more delinquent, credit report harsher than we deserve ( i.e. XXXX instead of XXXX or XXXX ), and to force us into foreclosure.
Company Response:
State: PA
Zip: 17111
Submitted Via: Web
Date Sent: 2015-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XXXX, and its law firm XXXX ( now known as XXXX ) in 2007, filed a foreclosure complaint, verification and attachments based on false, misleading, deceptive, forged signatures of attorneys, signed by non-staff employees in the authorized practice of law ( which is a crime in Pennsylvania ) to proceed in foreclosures, including foreclosures of my properties. The bank and its law firm at the time, knowingly and intentionally authorized non-attorney staff to prepare, verify and sign the attorneys ' names without any review by a legal competent attorney at the firm. These non-attorneys signed writs of execution, false notary witness and verification of assignment of mortgage and other pertinent legal documents used to litigate the foreclosure in the courts. This deception was recently discovered and upon review of the complaint, verification, assignment and other documents, I became aware of the scheme to defraud me of my property, through an illegal and improper foreclosure. In a deposition of all the partners of the law firm, they admitted that they never prepared, reviewed, verified or signed the complaint at any time, neither at the commencement or throughout the proceeding. The law firm and XXXX XXXX are debt collector in violation of the FDCPA, various Federal and Pennsylvania statues when the illegal foreclosure was filed into the court, thereby perpetrating fraud on the court. XXXX claimed legal interest by assignment, but did not have an assignment until after a default judgment was entered. Still no proof of evidence as to the legal standing of XXXX XXXX ( debt collector ) as the debt was in default at the time of its alleged assignment of mortgage, which is questionable. Documents including the assignment has forged signature of attorneys as well. Due to this deceptive and unconscionable act, any judgment obtained illegally is void. I have attached a full complaint and other documents providing the sworn deposition and testimony of the attorneys, their admissions, documented evidence of their admissions with exhibits of forged signatures in my foreclosures, as well others filed and recorded into the Pennsylvania courts.
Company Response:
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2015-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been out of work since last year. I fell behind on everything. In XXXX I made XXXX partially payments on my mortgage to Ocwen Loan Servicing paying the largest part of the mortgage for XXXX, XXXX and XXXX. That was all the money I had. I started working again XXXX months ago. The XXXX thing I did was pay the balance of those XXXX months including late fees. I wrote XXXX checks and explained exactly what the checks were for in the memo. Ocwen cashed the XXXX and XXXX checks and returned the XXXX. I get paid weekly and out of each pay check I send a partially mortgage payment. I sent a partially payment for XXXX and from the next weeks pay I sent the balance. I did the same for XXXX. I have just sent payment for XXXX. Ocwen has returned the payments and sent me a delinquent notices stating that I owe from XXXX through XXXX. I keep sending the payments back and they returned them again. If they would keep the payments I would be caught up through XXXX with XXXX next as we are still in XXXX. I do n't know what else to do but keep sending the payments. I can only pay the arrears this way. Once it 's caught up I can pay on time. I am alone, I am a XXXX year old woman and I have no other income and nowhere to go. I need help with this. I do n't understand why thy wo n't accept the payments. I 'm still getting collection calls and the state they want to help with the mortgage. Sending the payments back is not helping. they have also sent my name to XXXX who call and email me with loan offers on a regular basis. I just want to get my bill paid and get back on track.
Company Response:
State: FL
Zip: 32812
Submitted Via: Web
Date Sent: 2015-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I applied for a home loan modification with Ocwen over 4 months ago. My husbands job cut his pay in half, so we fell behind on our mortgage, and Ocwen told us about XXXX possible programs we may qualify for. After submitting all the documents Ocwen sent in their 'welcome package', we returned everything promptly. This is when our nightmare began. Ocwen claimed they hadn't received our documents, so we sent them again; in fact we sent them by fax XXXX, by email numerous times, and by USPS mail XXXX. Still, they say they hadn't received them. The representative we were assigned was located XXXX. His accent was so thick, we couldn't communicate with him at all. We requested Ocwen to assign us another rep, but were told they can't assign us another rep. Nothing is moving with regards to our refi. We did however find an XXXX speaking person and she became our rep. After speaking with her by phone, she specifically told us what documents were missing. She asked that we email them directly to her, so she could get things moving. We did what she asked, but haven't heard back anything. At this point we are several months behind on our mortgage, and it seems that Ocwen is doing everything possible to stall. They haven't even told us what our percentage rate or payment would be. We have read many horror stories about Ocwen's treatment of customers, forcing them into foreclosure because of their lax, incompetent and dishonest business practices. XXXX I recently discovered that Ocwen is now facing Federal charges for their misconduct, illegal fees, forced foreclosures; mishandling of customer's cases and much more. We feel that Ocwen is just a scam company, whose main objective is to force families into foreclosure. XXXX We have gotten nowhere in 4 months and are desperate to close our modification and move on. We did not choose Ocwen as our mortgage company. Our loan was sold to them by XXXX. We have lived in our home for over 20 years, and until my husband's job pay was cut, we made all payments on time. Ocwen does not answer emails, and if you're lucky enough to get them by phone, you are transferred XXXX. At the very beginning of our attempt to get a home modification, our credit was XXXX and rising, a score we had worked very hard for, paying off credit cards and not using credit any longer. Now our credit scores have dropped to the low XXXX and no other mortgage company will help us. By the way, Ocwen is not registered with the BBB, but take a look at the complaints on the BBB website. At this point, we are lost, feel like victims of a scam, and don't know what to do.
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2015-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-20
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I have never applied for a home loan in my entire life. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX.
Company Response:
State: CA
Zip: 92584
Submitted Via: Web
Date Sent: 2015-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have never applied for a loan at GMAC for any automobile. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX.
Company Response:
State: CA
Zip: 92584
Submitted Via: Web
Date Sent: 2015-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My husband died XX/XX/XXXX. We had fallen behind on our mortgage payments with Ocwen Bank and they threatened to foreclose. We can not make any more payments because our income is very low. They call our home and cell phones XXXX times a day 7 days a week. California just passed a bill to stop robocallers. Can you please help me? Thank you.
Company Response:
State: CA
Zip: 92253
Submitted Via: Web
Date Sent: 2015-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a home mortgage with Ocwen Loan Servicing, LLC.They have been charging me a usurious interest rate in the amount of {$7000.00} ( for one month ) since 2010.They will not explain this nor will they correct it.I think this is illegal and I want it taken off my loan amount and I do not want it to effect my credit.
Company Response:
State: MN
Zip: 55118
Submitted Via: Web
Date Sent: 2015-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No