Date Received: 2015-06-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I had a mortgage with XXXX. It was an illegal mortgage with many Respa andTIla violations. The mortgage was a balloon mortgage with a very high interest rate and very high closing costs. XXXX went out of business. There is no documentation transfering my mortgage to another company. XXXX XXXX is attempting to foreclose on my home even though they have no legal right to do so. The XXXX Loans Trust XX/XX/XXXX-XX/XX/XXXX they claim to represent closed years ago. There were no transfer documents to the loan trust. The people attempting to foreclose on my home have no legal standing to do so. I also became aware of money made on my home without my knowledge or consent. When my loanwas funded, XXXX presented my note to the XXXX and received XXXX times the face value. Later when I was in default, XXXX received XXXX times the face value of my mortgage. I requested the attached information from Occwen who is the present Loan Servicer. They refused to answer any question except for the whereabouts of the original loan document which is the foreclosure file of XXXX County Court. I received no other answers. According to law, I am due an answer. Also I am being XXXX out of {$100000.00} in equity using a fraudulent appraisal.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2015-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan is not delinquent and yet on XXXX XXXX, I received the following letter from Ocwen Loan Servicing , LLC, dated XXXX/XXXX/2015. My payments are always made online and the servicing company always provides receipts of such payments, which are made within the month in which they are due but not beyond. PAST DUE NOTICEDear Customer ( s ), XXXX ( What does this mean??? ). At Ocwen, we strive to provide service that will exceed your expectations. Having complete and accurate information is the first step in ensuring you receive this service. We are here to build a mutually beneficial relationship, rectify any problems, resolve any issues, and assist you with your needs. Therefore, we are sending you this letter to inform you that our records indicate that your mortgage loan payment due on XXXX/XXXX/2015 has not yet been received, and unfortunately, your payment is past due. A late charge has been assessed on your account, which will reflect in the CURRENT AMOUNT DUE as of XXXX/XXXX/2015. You are required to pay this late charge, unless you can document that the payment was made in full and on time. ITEMIZATION OF CURRENT AMOUNT DUE ( Table listed with amounts ). It is very important that you pay the CURRENT AMOUNT DUE immediately as this delinquency (? ) may result in adverse credit reporting and/or a formal demand for all amounts due on your loan (? ). Payments must be made by Money Gram, Check or Money Order and made payable to Ocwen Loan Servicing , LLC . Please send all payments through XXXX of the methods below : PAYMENT REMITTANCE INFORMATION ( addresses for XXXX, Overnight Address and Via Regular Mail provided ). Failure to bring your account current may result in our election to excercise our right to foreclose on your property. Upon acceleration, your total obligation will be immediately due and payable without further demand. ( This paragraph is an actual threat when there is no actual delinquency existing! ). If you are unable to make your payments, please contact our Customer Care Center immediately at ( XXXX ) XXXX to request a meeting with an associate to discuss mortgage assistance options and explore options to avoid foreclosure (? ). We have enclosed a list of documentation you may want to have available before you call ( Which documentations??? ). Associates are available to assist you XXXX to XXXX XXXX XXXX to XXXX XXXX, XXXX XXXX XXXX to XXXX XXXX and Sunday XXXX XXXX to XXXX XXXX ET. ( I saught assistance numerous times to attain a reduction in the current excessive rate of 7.938 % to no avail and therefore why this statement? ). Additionally, a HUD counseling agency mat be able to provide you with assistance. To locate the HUD approved counseling agency in your area, call the HUD Housing Counseling at ( XXXX ) XXXX or consult HUD 's XXXX at XXXX. Ocwen will work with bankruptcy lawyers, foreclosure defense lawyers, housing counselors, and other authorized representatives of our customers. However, we will release information once your written authorization has been obtained, as required by law. If you have the desire to remedy this situation, we want to assist you in trying to reach that goal. OCWEN would like to present you with some of the alternatives that might be available regarding your delinquent mortgage loan ( is it actually delinquent? ). While our primary objective is the collection of past due amounts on your loan, we want to work with you to find the best available alternative for you to bring your morthgae loan obligation current. Please visit our wbesite at ... .where you can review your account and enter you fina
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2015-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Had a XXXX mortgage through Ocwen Loan service which has paid off on the closing sale of my house XXXX/XXXX/2015. The Escrow balance has been released but a small overpayment of of {$130.00} still has not been released. I have called on this XXXX time and spoken with their customer representative who states they will get this processed, but now XXXX days past payoff and still has not been paid.
Company Response:
State: UT
Zip: 84081
Submitted Via: Web
Date Sent: 2015-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My husband expired suddenly in an auto accident on XXXX/XXXX/2013. His XXXX check paid our mortgage each month. I have been struggling to make make payments on my income alone. I bring home about XXXX a month and my mortgage is XXXXXXXXand is mostly interest. I was told I qualified for a loan modification by Ocwen loan Servicing which is my mortgage co. They then said I was denied by my mortgage co. Ihave asked XXXX times for the mortgage co. and have contacted them and each time the name and contact info was wrong. In fact this last company told me to contact you and they were very familiar with Ocwen doing this. In fact Ocwen does not actually have a physical address just po boxes. All calls go to XXXX and no one who answers the phone knows what is going on.
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2015-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I contacted my homeowner insurance company - XXXX INSURANCE - regarding roof repair and subsequently submitted a claim. XXXX approved and paid the claim and within two weeks send a renewal notice with a premium increase of nearly {$400.00}. I immediately called OCWEN LOAN SERVICING ( loan number XXXX ) and advised I would not pay the increased amount and for them NOT to disburse the payment to XXXX. I was told the renewal request was in queue and was placed on hold while the renewal was deleted from queue. I was then told disbursement had been cancelled. I spoke with a representative of the local agent - XXXX INSURANCE - and advised her I was not renewing the XXXX policy. I researched and found a new agent - XXXX and XXXX INSURANCE - and advised them to submit policy to OCWEN for payment. On XXXX, XXXX XXXX, 2015, I received letters from XXXX and OWCEN. XXXX provided a Reinstatement Notice for policy number XXXX indicating payment of {$950.00} received and balance due {$1000.00}. The letter from OCWEN is a Past Due Notice indicating {$1100.00} was due on XXXX/XXXX/2015. OCWEN received and processed my XXXX payment - check dated XXXX XXXX, 2015 cleared my checking account on XXXX XXXX and my check dated XXXX XXXX, 2015 cleared my checking account on XXXX, 2015. XXXX payments were in the monthly amount of {$1000.00}. I contacted XXXX and XXXX today and was told they had not received payment for the new homeowner policy that took effect on XXXX XXXX, 2015. OCWEN is now threatening foreclosure and to report my account in default. IT IS NOT. As the homeowner and the supplier of the funds, I feel I have every right to choice who I wish to insure my property. I just called OCWEN and was told " I paid XXXX, so I would have to pay the increased policy premium to replenish my escrow account ''. I told her " I DID NOT PAY XXXX - they paid XXXX and they need to straight out the mess they have created. " I was then told I had to speak to someone at the Insurance Service Center and was given a number to call - XXXX. I dialed the number XXXX and got a recording stating this is not a valid number. OCWEN needs to retrieve my escrow funds from XXXX INSURANCE and pay the new agent or send the money to me. OWEN must also remove any negative reporting on my credit in reference to my account payments, my payments were not late and my account is not in default. Your assistance is greatly appreciated.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-01
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We have been trying to work with Ocwen for XXXX years now on keeping home after a job loss, bankruprtcy and a Loan Modification process which included XXXX trial payments made by us with Ocwen implying they would grant us a Modifiation, we filled out final paper work for a modification and then Ocwen proceeded to cancel it without notice despite the fact that we followed through on our end and they are now implying that they are proceeding with foreclosure process. We have had numerous certified letters returned to us as undeliverable even though we mailed them to address given to us directly by ocwen. we have had telephone conversations with their " agents '' who promise a solution us long as we continue making our payments and these " promises ' are turning out to be just spoon feeding us that thee is a solution. We were told they would give us a loan modification only to then be told that due to some technical difficulty it was cancelled and we were never notified of it? Who does business like this? We have stopped trying to deal with them by phone because it becomes he said, she said. We have been doing every thing by certified mail and keeping documentation of such. No one at that company seems to know what the other person at that company if doing. We receive numerous correspondence from them that come after letters that tell us one thing only to be told something else. they are impossible to deal with.
Company Response:
State: WA
Zip: 98292
Submitted Via: Web
Date Sent: 2015-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-01
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: HiIn 2013 I filled a complaint against GMAC Mortgage, regarding the national mortgage settlement. I explained that this loan should qualify for the national mortgage settlement. GMAC respond was that it does not. I have proof that this loan should have qualified for the national mortgage settlement and GMAC should honor it.
Company Response:
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2015-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Several years ago, I was diagnosed XXXX 2 days later, and my husband XXXX ... all within 4 months ( plus my mom XXXX 6 months earlie ). After a history of perfect credit, we got behind on everything, including our mortgage. We were able to get a HARP and a low interest payment on a XXXX loan that we had to take out to help cover missed wages and help cover some of the high XXXX bills. After my XXXX to the last payment on our trial period on HARP, Ocwen bought out our failing mortgage company. Ocwen continued our low interest XXXX mortgage but did not continue the HARP on the XXXX XXXX because " it was only in the trial period, but you can reapply for a HARP on your XXXX mortgage. '' We got behind XXXX payments while they mulled around on XXXX of our attempts for a HARP that we never got. I called HOPE ( a free program that negotiates between client and mortgage company ). HOPE, Ocwen, my husband and I came up with a plan were we would pay extra each month to catch up. Well, after about two and a half to three years later, with just me working, we are finally just behind {$600.00}, period. Now mind you, we are talking about combined mortgages of {$2100.00}. Now, they are breaking several consumer rights laws! I am getting XXXX phone calls a day, late nights, Sunday 's ( before XXXX and after XXXX XXXX ), at work on the company 's phone, and calls because we are XXXX days late on a payment ( I get paid on the XXXX but it is automatically drafted )! We are getting certified mail, brought up to the house by our mail lady, that tells us that we are In danger of foreclosure and options of modifications that we found out later we still ca n't get because we are " in good standing ''. Remember, we are less than XXXX of a payment behind!! I DID answer every call for those XXXX couple of days, explaining over and over, the deal that was made and documented, with HOPE. Still getting calls. We feel that we are getting punished because we are doing the XXXX thing. We did everything but bankruptcy. With just my income and my husbands retirement and XXXX, we pulled our bootstraps up, caught everything up, and are almost caught back up on our mortgage. Now we are being treated like this. We are besides ourselves!!! p.s. This is a flexible mortgage, too. : (
Company Response:
State: TN
Zip: 37920
Submitted Via: Web
Date Sent: 2015-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-31
Issue: Settlement process and costs
Subissue:
Consumer Complaint: Hello, we have bought house back in XXXX, and our loan has adjustable rate. So the original XXXX had transfer us to Ocwen bank. So month ago Ocwen bank sent a notice that our payment will go {$600.00} higher, on XXXX month. So I went and applied for temporary loan modification, until next XXXX. But they now are solicit us with short sale, that was us plan. They are seeing very week about some short sale. In my option is unlawful and XXXX government should take their license away.. They are using some " dude '' from XXXX that have no idea about our law and country. Please help. We have there kids, please help. Thank you
Company Response:
State: VA
Zip: 20176
Submitted Via: Web
Date Sent: 2015-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My husband and I are veterans and have a VA XXXX year hybrid loan through XXXX Mortgage ( Formerly XXXX ), and their Loan Servicing agent is Ocwen Loan Servicing. We are not in Foreclosure and we are not XXXX days late, but because of the timing of my paydays we are often paying our mortgage beyond their XXXX day grace period each month. Promptly, on day XXXX, they begin a barrage of calls to our house, literally blowing up our house phone. My husband is a XXXXy XXXX and he has laid there and listened to them call, then hang up and immediately, auto-redial us repeatedly sometime XXXX times in a row at like XXXX in the morning. Today is XXXX XXXX, a Saturday, and we laid there and listened to our phone go off at XXXX this morning for about XXXX or XXXX minutes of the phone continuing to ring. This wakes up our kids and is disrupting my husband 's sleep. Even after we pay our bill we continue to receive collection phone calls for days after, even after repeatedly reminding them that we have paid. They have reported us late several time when we are not or when I have had trouble with their website, and even after filing disputes with the credit reporting agencies, the report remains unchanged by the credit reporting agencies. Now, our credit has been harmed and if we were to attempt to refi at this time, we would pay more based on our credit score. XXXX weeks ago we tried to get a refi quote from a lender, and I called the Ocwen customer service line, requesting a copy of our Adjustable Rate Note, for the loan application. The agent on the phone said it would that XXXX days to receive it in the mail-that was XXXX weeks ago and we still have not received our Adjustable Rate Note in the mail. VERY VERY POOR CUSTOMER SERVICE-AND PREDATORY COLLECTION PRACTICES.
Company Response:
State: OR
Zip: 97502
Submitted Via: Web
Date Sent: 2015-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No