Date Received: 2015-06-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have filed several Qualified Written Requests and RESPA disputes with the XXXX major credit bureaus and with the original lender. When this loan was transffered to Ocwen, they were reporting an incorrect payment history and claiming that I owe late fees ( I was never late ). Now when I make a payment, they are still reporting me late every month to the XXXX credit bureaus, but I am not late. They want XXXX in late fees, which is robbery. I am trying to refinance my home and I can not get financed because of these inaccurate late payments reporting. When I call Ocwen, they can not help me out and tell me to file a dispute, when I file a dispute, they do not respond in the proper time frame. They are making it impossible for me to refinance to another company.
Company Response:
State: WA
Zip: 98201
Submitted Via: Web
Date Sent: 2015-06-10
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a loan with Ocwen Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXPhone XXXXLoan no XXXX XXXX XXXX @ XXXX pm {$150000.00} was wired to Ocwen thru XXXX XXXX number XXXXFed reference no XXXXAs of XXXX XXXX they say they have no record of the pay off -- -- I have been called XXXX to XXXX times a day -- -- Threaten to be reported to the XXXXHave my credit reported late -- Harassed -- -- Yesterday I called and attempted to talk to a supervisor and got another person who said they ca n't do anything until its paid -- -Can not be connected to the dept that collects the money -- -I faxed copies of the wire transaction and pay off amount to them as wellPlease HelpXXXXXXXX-
Company Response:
State: OH
Zip: 44143
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 modification,collection,foreclosure
Subissue:
Consumer Complaint: This company has filed a " NOTICE OF SALE UNDER POWER '' to auction my home on the XXXX Tuesday in XXXX. Their power as " Attorney in Fact '' was revoked due to violations of Federal Regulations 617.7010 Title 12-Banks and Banking Title part 617-BORROWERS RIGHTS Subpart A-General Item c, the borrower 's written waiver must contain a statement that the borrower was represented by legal counsel in connection with execution of the waiver.I WAS NOT REPRESENTED BY LEGAL COUNSEL IN THIS MATTER. I filed an affidavit of NOTICE OF REVOCATION OF POWER OF ATTORNEY AND TERMINATION OF ATTORNEY IN FACT on XX/XX/XXXX in the XXXX XXXX Supreme Court and mailed copies to Ocwen and their attorney, XXXX, XXXX, XXXX XXXX XXXX.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2015-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I called Ocwen today to ask them for a HAMP modification. I spoke to XXXX, agent ID # XXXX who told me that I did not qualify because of the delinquency. I disagreed with him because according to the government guidelines, the unpaid balance has to be less than {$720000.00}, the loan has to have originated before XXXX 2009, the property has to have not been condemned, it has to be my primary residence - at risk, and imminent default, have experienced a financial hardship and be able to show a pay stub and tax return, and not convicted of a felony within the last 10yrs. I stated that I meet all of the criteria specified by the government but was still told I do n't qualify because of the delinquency. I stated that my delinquency is still less than {$720000.00}. I was told that I still did not qualify and that the modifications are account specific and that I should not get my hopes up. I requested a modification package and was refused and was told that I had to pay my loan in full.
Company Response:
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2015-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: reporting wrong information loan # XXXX
Company Response:
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2015-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My name is XXXX XXXX, I submitted a complaint previously against Ocwen Loan Servicing, my loan # XXXX. My complaint to the CFPB is case # XXXX, Ocwen replied to my complaint stating that they offered me a proposed mortgage modification with a balance reduction in XX/XX/XXXX and that I did not respond to the trial payments offered to me. Attached to the response was a copy of great offer that I never received by mail. I would have taken that offer! According to the response, I missed my chance and now my home went to sale XX/XX/XXXX. I objected to the sale and I am awaiting a hearing. Since XXXX XXXX XXXX, I disputed Ocwens response on the CFPB portal and I have not received a response to my dispute as of today, XX/XX/XXXX. My case is currently open and certificate of title has not been issued back to the lender. In my dispute, I explained to Ocwen that I never received the offer, and I wanted to know how they can say they sent me the offer without any proof of certified receipt and how they can give me a modification in XX/XX/XXXX when at that time I did not even fill out a modification application? I called Ocwen direct, and they had no record of an application that was filled out by me, and they have no certification of proof it was sent to me because they claim it was sent by regular mail. In my initial complaint with CFPB I also posted theemail exhanges I had with the plaintiffs attorney regarding a resolution by loan modification days before my trial on XX/XX/XXXX. The Plaintiffs attorneys asked me how I would like to resolve the matter and gave me a choice of loan modification. I immediately responded that I wanted a loan modification the same day on XX/XX/XXXX to XXXX XXXX, Contested Paralegal to XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never got a response back since then. All I want is a fair modification to keep my home, but I am not getting any responses regarding this matter from Ocwen or Attorneys for Plaintiff, XXXX XXXX XXXX case XXXX XXXX. I could not respond to a loan modification offer I never received and I would like to get that offer from Ocwen again. Please respond on this site. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl. XXXX, phone XXXX. XXXXXXXXXXXX
Company Response:
State: FL
Zip: 33417
Submitted Via: Web
Date Sent: 2015-06-09
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-09
Issue: Settlement process and costs
Subissue:
Consumer Complaint: Rescission Notice was sent. I was completely ignored by the originators the trust, XXXX XXXX XXXX. It is TIME.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2015-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I paid off a house last year and have an overage paid into escrow and can not get Ocwen to send the overage back to me. I have faxed, e-mailed, many phone calls and sent a registered letter demanding payment it looks as though I may have to take them to court to get my money back.
Company Response:
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2015-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My mortgage with XXXX XXXX called for a monthly payment of XXXX. The mortgage moved from XXXX to Litton Loan. Medical issues prompted me to XXXX. Those additional medical costs, plus the failure of my wife 's business, caused me to fall behind in payments. Repeated requests for a loan modification were futile. Litton representatives offered new monthly payments that were higher than the {$2100.00} that I was failing to meet, and I fell into foreclosure. The mortgage at some point shifted from Litton to Ocwen, my financial situation remained unchanged, and I tried, without success, to obtain a loan modification. No i 'm trying to enter into mediation to resolve the problem.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2015-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-09
Issue: Communication tactics
Subissue: Called after sent written cease of comm
Consumer Complaint: For the last XXXX years, every morning, XXXX days a week, at XXXX Ocwen calls the above number. We do not answer because we have a representative that is handling all communication with the lender. Ocwen has been instructed a number of time to please contact that representative, but continues to call every morning even though our representative has been in contact with them on a weekly basis. Ocwen never leaves a message. They call repeatedly in the mornings. One call after another, then they attempt to reach me on my cell phone from an unlisted number throughout the day, and do not leave a message. Yesterday, morning, XXXX/XXXX/2015, I answered the phone. I let them know that I have written a letter to the XXXX of Ocwen regarding our situation. I said I would not speak to anyone until I received an answer to that letter. I asked that they not call again, or I would submit a harassment report. The calls continued throughout the day and again this morning.
Company Response:
State: OR
Zip: 97229
Submitted Via: Web
Date Sent: 2015-06-09
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes