Date Received: 2015-06-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In XXXX 2013, Ocwen stopped accepting my payments. They told me I had XXXX balance in my account, and that there was nothing else to be paid, so they would no longer take any payments. I continued to make inquiries about the payments for 2 whole years. I retained lawyers in an attempt to get information from Ocwen on either how to proceed with payments or how to get my name cleared of the debt. Ocwen never once replied to me. Their customer service, when I called, alleged that the XXXX balance was due to a change in websites, but never solved the problem of not accepting my payments. For the past 2 years, Ocwen continued to tell me I owed them money while refusing to accept payments because their computer system told them that I owed no money. Ocwen continued to accrue interest and other charges onto my account. In 2013, I only owed XXXX on the home. Now, Ocwen alleges that I owe them {$78000.00}. They cased the problems, they refused the payments, and now they want to take a windfall of {$22000.00}. I filed complaints with the Attorney General of Florida, to which Ocwen finally responded. In response to the complaint, Ocwen offered me a loan modification agreement ( attached to this complaint ). Ocwen wants me to pay them {$900.00} a month, and wants to raise my principal balance to {$78000.00}. They filed a foreclosure against me and are attempting to take my home. It 's absolutely unconscionable for a large corporation to simply artifically raise my debt by {$22000.00} and then attempt to coerce me into making payments by threatening to take my home, when all of this has happened because they were unable to solve a very simple mistake that they made.
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2015-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In accordance with the Texas Debt Collection Act you have filed a cancellation of debt and are suppose to cease collection efforts. Ocwen and XXXX XXXX company cancelled my mortgage debt and I received a XXXX and letter from them as well as it is reflected on my credit report. I contacted them to tell them that there must be a mistake. After multiple attempts trying to rectify the situation they sent me a letter confirming the XXXX balance and reported it to the VA. A few months later they come back and say I am delinquent. I filed the XXXX like I was suppose to and created a debt of XXXX. Had to file a XXXX to get that forgiven. Now they are still wanting to collect and foreclose.
Company Response:
State: TX
Zip: 78108
Submitted Via: Web
Date Sent: 2015-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We received a statement from Ocwen telling us our monthly mortgage payment is going up from {$2500.00} to {$2700.00}. No explanation or advanced warning was given to these changes in terms of our loan agreement. The statement just said 'further detail regarding the reason for this change will be included in a separate letter '. The statement date was XXXX/XXXX/15. We have never received a letter of explanation. This clearly breaches the terms of our contract with Ocwen not to mention no constructive notice given to use regarding the changes of said terms.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen modified my mortgage under HAMP on XX/XX/XXXX - mod. eff. date was XX/XX/XXXX -1. Ocwen did not credit/apply all payments made by me prior to and after the mod. date - On XX/XX/XXXX, I made payment to Ocwen in the amount of {$1400.00}. This amount represented an overpayment of {$190.00}. That amount was placed into " suspense '' and later used to offset " property inspection fees '', " property valuation expenses '' and the like, instead of being credited to the principal balance, escrow balance or returned to me. On XX/XX/XXXX I made trial payment number XXXX ( of XXXX ) in the amount of {$1200.00} ( confirmation # XXXX ). This payment was never credited/applied to my mortgage. Following the modification, I made a payment of {$1400.00} on XX/XX/XXXX ( confirmation # XXXX ) which was to be my XXXX payment under the modification. Ocwen credited/applied {$1200.00} of that payment towards the XX/XX/XXXX payment due, but never credited the remaining {$200.00}. On XX/XX/XXXX, I made a payment in the amount of {$1300.00}, which represented an overpayment in the amount of {$100.00}. That amount was never credited/applied. 2. Ocwen reduced my escrow account balance from a pre-modification balance of ( {$910.00} ) to a post-modification balance of ( {$1500.00} ). This has been explained by them as a means of adjusting for the modification. As a function of the modification, they applied XXXX monthly installments toward my mortgage account, which included XXXX installments of {$270.00} toward my escrow account - a total of {$1100.00} - then promptly withdrew {$1700.00} to adjust for the {$1100.00} they had credited to the escrow account. This means Ocwen took {$640.00}. There is no explanation for theft. Ocwen claims to have capitalized that amount to the principal balance - RIGHT!! Let 's take cash out of the escrow account and convert it into a principal payment?? Get real!! 3. Ocwen assessed a large number of late fees and other fees prior to, during, and since the modification, all of which were supposed to have been waived as part of the modification. As a result, Ocwen shows me with a balance of {$45.00} ( meaning I have paid {$45.00} more than was due them, and they have never refunded the overpayment ) in late fees ( for a period of more than 2 years ), and a balance of {$100.00} in " suspense '' ( for the past 14 months ). 4. Ocwen has NEVER provided a breakdown of the sum which was added back to the principal balance during the modification adjustments. My pre-modification principal balance was {$140000.00} ( not including the application of payments which were not applied as complained above ). The post-modification balance was {$140000.00} - a difference of {$3000.00}. They also show principal balance payments totaling {$290.00} in the process, which would reduce the total amount added to the principal as a result of the modification to {$2700.00}. Ocwen has never stated or shown how they arrived at the amount they added back into the principal. XXXX XXXX, XXXX of the Consumer Ombudsman in XXXX, Iowa, has been reviewing my previous complaint on this matter, which lacked in specific details. Please forward this to him to avoid a redundancy in effort. Thank you!
Company Response:
State: CO
Zip: 80110
Submitted Via: Web
Date Sent: 2015-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Beginning in XXXX XXXX I started disputing this account and the payment history that was reporting. The payment history is completely inaccurate and reporting XXXX different ways with each bureau. I have NEVER paid my mortgage a day late and Ocwen is reporting on XXXX different occasions that I was 30 days late. They are reporting with XXXX that I was late XXXX XXXX 30 days and with XXXX they are reporting me 30 days late XXXX XXXX and 30 days late XXXX XXXX then 60 days late in XXXX of XXXX. Wiith XXXX they are reporting me 30 days late XXXX XXXX, 60 days late XXXX of XXXX and 60 days late XXXX of XXXX. The house was sold on XXXX XXXX, XXXX and they where over nighted a check for the balance. I 've disputed the account will all XXXX credit bureaus on XXXX separate occasions as well as I 've written to Ocwen requesting a detailed payment history on XXXX different occasions. I finally decided to call them on XXXX XXXX, XXXX and I ended up having to speak with a supervisor because the customer service representative could n't locate any information at all pertaining to my mortgage. After speaking with the supervisor, he informed me that they had changed systems and when they did that, they lost alot of information. He stated he would be getting with the corporate office pertaining to my complaint and he would get back to me which he did in fact do no XXXX but all he stated was that he was still researching and it was taking longer than he thought and he would contact me again once he found out the outcome. I reached out to him again a couple days later and left him a voicemail and he called back stating he was still unable to locate any information on my mortgage. His name I 'm unsure of because it 's foreign but his number is XXXX then press the option XXXX and the extension is XXXX. To this day I 've yet to hear from him again and since it 's been over 4 months with multiple attempts to get this corrected with both the bureaus and Ocwen, I 've had enough. I simply want to receive the positive credit that is well deserved for always paying my mortgage on time. I DO N'T want the account removed I simply want it updated to reflect accurate information. It 's very disturbing to me that Ocwen has continued verified inaccurate information on XXXX different occasions even though they have no records of the account. It makes me wonder how many loans they are servicing and how many peoples lives they are affecting who do n't know what to do to resolve the issue. I should be able to dispute information on my credit report that is INACCURATE and have it updated within the time frame allowed rather than having to spend my time chasing them down and ordering old bank statements and waiting on hold for hours. The bureaus need to be held liable as well for allowing them to continue to verify information without solid evidence. I hope soon that someone recognizes the impact the bureaus and the creditors have on peoples lives and how they are allowed to do what they want without following proper protocall and obeying the laws set in place to protect us as the consumer. This is extremely disturbing to me since I 'm not trying to purchase a new home after my divorce and my interest rate etc. is being affected by the incaccuracies they are continueing to " Verify ''
Company Response:
State: LA
Zip: 70433
Submitted Via: Web
Date Sent: 2015-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing , LLC misappropriated my payment from Monthly Bi-Weekly Administration which was recorded on my credit score with XXXX as delinquent. I have called them numerous times to remedy this with no luck. I have a letter from them stateing that it was all taken care of but it still appeared on my credit score. They have even sent me a Notice of Assignment, Sale or Transfer of my mortgage Loan. They admitted that they were at fault but it still is n't fixed
Company Response:
State: AZ
Zip: 85541
Submitted Via: Web
Date Sent: 2015-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My name is XXXX XXXX. I am writing in regards to loan # XXXX with Ocwen. In XXXX XXXX, I called and started a modification with you. At that time I became unemployed and my then husband, XXXX XXXX, lost his business. We became over extended in debt. In XXXX, we divorced, which put more strain on me financially. I was approved for a Shared Appreciation Modification, but you allowed XXXX XXXX to cancel it and he put a password on the account. Because of my financial hardship and not being able to complete the modification, I was forced to file Chapter XXXX Bankruptcy with XXXX XXXX XXXX. The payments were so high, I could not keep up and received a dismissal without prejudice. I then filed a lawsuit in district court which was dismissed in federal court. I continued to go back and forth with Ocwen about my mortgage until I received a foreclosure notification. At that point I filed Chapter XXXX Bankruptcy and it was discharged in XXXX, XXXX. I applied for another modification. During the process, I was told that I would need XXXX XXXX to sign the documents and also a copy of my divorce decree because the loan is in his name. I provided Ocwen with a copy of my divorce degree show that I had been given the home. Ocwen then told me to apply for an assumption to get the loan in my name. I applied for the assumption and it was approved, pending my mortgage becoming current. The only way that I could bring it current was to get my modification approved. I called the modification department and they told me the Special Waranty Deed that I had included for my assumption was not good enough for the modification. I needed a quit claim deed, signed by XXXX XXXX. I pleaded with XXXX XXXX to do a quit claim deed. By that time, I was told, that my original modification application had expired. I submitted a new XXXX within days. This happened in XXXX, XXXX. I waited for a response from Ocwen. I called them in XXXX, XXXX and was told that my package was complete. I then scheduled an appointment with an account manager on XXXX XXXX, XXXX. At that time he told me that my house had been foreclosed on XXXX XXXX, XXXX. I was in shock. He told me that I was missing a page from my modification and he was on vacation. XXXX XXXX stated that he had spoken with his supervisor and nothing could be done. He said that a letter had been sent out advising me that there was a page missing from my modification, which I never received. He also said that a foreclosure notice had been sent which I never received either. He told me to contact an attorney and see if Texas is a redemptive state. He said that he could not offer me any more assistance to get my house back. I then asked to speak with a supervisor. I was told by the supervisor that she could n't do anything to help me and that all proper letters had been sent out notifying me of the missing document and the foreclosure notice. I contacted an attorney and I have been working with him to get this matter resolved. My attorney was ineffective in dealing with Ocwen, as they poorly communicate from XXXX department to another. I would like to continue with my house back. I paid this attorney {$3000.00} and my house was still put up for auction. I will be evicted on XXXX XXXX, as per the agreement that was made to buy me more time. The plan was to work out something with Ocwen. Nothing has been resolved and I have XXXX daughters who are about to be homeless. Ocwen totally ignored the rule that the Consumer Financial Protection Bureau put in place regarding loan modifications and foreclosures in XXXX, XXXX. It states : Notify consumers of loss mitigation options and restrict dual tracking. They did not give me any notification about my modification and foreclosed on my home. I need help as soon as possible. My attorney has no idea who to talk to.
Company Response:
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2015-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In XX/XX/XXXX, I attempted to make a monthly paymentfor my second note, which was refused. The balanceis now showing {$0.00}, which tells me it may have beensold or transferred to another servicer. I have not received anyof this via email ( preferred ) or regular mail. I now am two monthswithout a payment on the XXXX note because Ido not know who to pay. The servicer has beenOcwen and in trying to call they will not answer myquestions. I left a voice message : no response. I left an email message with no response. I attemptedan online email request to their Ombudsman and the responsegiven is the loan does not exist with no match forthe loan number or my soc sec number. I finally reached someone on the telephonetonight, and they tried to transfer me to anotherperson. I asked if they were transferring my callto another servicer, and the rep said no. She wastransferring me to another section in XXXXwho could answer my questions. I asked if myloan was transferred to another servicer, and shesaid she could n't answer, which is why she wastransferring me to someone who had the clearance. This morning I received a call on my home phone, but was too late to answer. They did not leave a messageand, when I redialed the number, got a fast busy signal. I have had people call me at work yet they do not leave a message.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: OCWEN AND XXXX ARE FALSING REPORT OLD MORTAGE LOANSMortgage account number XXXX and mortgage account number XXXX XXXX I started the hardship process with XXXX XXXX XXXX weeks prior to the closure of the short sale the loan servicer XXXX bundled my into a bulk sale/transfer of an new servicer Ocwen . Subsequently Ocwen providing false or misleading reasons for denying short sale and refused to handle my loan modifications without me first making a payment. The customer service agents at Ocwen suggested I take a loan from my XXXX account to prove I was serious about resolving the matter. A loan was taken from my XXXX payments were made to Ocwen up to XXXX XXXX and I was still unable to get assistance with a short sale or modification. XXXX year later, the deed of the property was transferred to the HOA and later sold in a sherrif sale. Attached is a summary of attempted interaction with OCWEN and Experian. XXXX is the only credit bureau who has refused correct the reporting mistakes by OCWEN both XXXX and XXXX have been compliant with my request. Attached : XXXX XXXX Experian list Ocwen as verified/updates with incorrect dataAttached : XXXX report of XXXX reporting agency show the account status as deed in LieuAttached : Sheriff Sale of the property AttachedAttached : Deed transfer in lieu of for foreclosure
Company Response:
State: WA
Zip: 990XX
Submitted Via: Web
Date Sent: 2015-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Copy of Letter to Principal Reduction-Hardest Hit Fund, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX, Attention -- Inspector General, VIA FAX # ( XXXX ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : OCWEN Loan Servicing abuse of customer that received HHF Principal Reduction Funds, Ocwen Loan # XXXXDear Sir/Madam, We received a HHF assistance in XXXX. At the time, our lender, IndyMac Mortgage, turned over the servicing of our loan to Ocwen Mortgage. We made all of the monthly payments on the revised payment amount ( HHF applied our {$50000.00} principal reduction ) on our Ocwen loan. I was alarmed to receive a statement dated XX/XX/XXXX, stating that the payment amount due was a negative - {$43000.00} ( All of these Statements are attached ). Then next statement dated XX/XX/XXXX with the same amount due, and a " Suspense Payment '' listed for the amount of {$4600.00} with the payment date of XX/XX/XXXX. The next statement dated XX/XX/XXXX, with a payment amount due of {$4500.00}, with a payment breakdown that I could not understand. The next statement had an payment amount due of {$5100.00}. I was in contact with a relationship manager at Ocwen during these months, beginning XX/XX/XXXX, trying to get this straightened, of which I have documented. Her name is XXXX XXXX and her ID # is XXXX. Her conclusion was that the HHF Principal Reduction payment confused Ocwen and she submitted to supervisors for review. It has been in review since that time and you can see from the attached statements and letters and nothing has been done. I believe she is doing everything in her power at her level to get it straightened out, but it seems she not getting any cooperation from her supervisors. I have also included a breakdown of the Payment History and some notes on it, along with the Foreclosure Letter received from Ocwen via Certified Mail on XX/XX/XXXX. Also attached is the letter received today from the Attorney stating that we have been referred for Foreclosure. The first few pages of the document is the documentation from Principal Reduction-Hardest Hit Fund, XXXX XXXX XXXX XXXX. I spoke to Ocwen today after receiving the letter from the attorney, but my Relationship Manager, XXXX XXXX, was not available, thus I spoke to XXXX, ID # XXXX, and he was posting updates for XXXX XXXX to review. Any assistance with this matter would be greatly appreciated. We are very frustrated dealing with Ocwen with what seems to be a simple matter with a simple, straight-forward resolution. Please contact XXXX with any questions at cell phone # XXXX, or email correspondence to XXXXXXXXXXXX. Regards, XXXX XXXX XXXX : Ocwen Mortgage
Company Response:
State: FL
Zip: 32233
Submitted Via: Web
Date Sent: 2015-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No