Date Received: 2015-05-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen has for a XXXX time in two years backdated and failed to deliver our Loan Modification documents. Even after the Consumer Financial Protection Bureau has acknowledged and is currently making Ocwen Properly modify these loans. Ocwen has failed to obey the law a XXXX time in its poor, misleading and deceptive handling of this modification and in total violation of the premise of the complaint they are trying to rectify. These are unfair, deceptive, illegal, predatory business practices that Ocwen and now its attorneys at XXXX, XXXX, XXXX XXXX XXXX, XXXX. have committed. We had a court ordered modification in the XXXX XXXX XXXX XXXX for XXXX XXXX, Florida with Ocwen Finanancial Corporation on XXXX/XXXX/XXXX. We sent Ocwen all the paper work they required. On XXXX/XXXX/XXXX Ocwen sent a letter acknowledging receipt of our loss mitigation application and stated they needed to obtain an updated fair market value for my property. Then Ocwen had the property appraised. Ocwen then mailed us a copy of the appraised Value. On XXXX/XXXX/XXXX they sent a letter thanking us for submitting our application. On XXXX/XXXX/XXXX Ocwen sent a letter acknowledging the receipt of the complete application and stated that we had provided all the documentation needed to evaluate our loan modification. " At this, time your application is complete. You have provided all the documentation needed to evaluate your loan for each modification option or other foreclosure alternative solution for which you are eligible. We will process your request as quickly as possible. " ( Ocwen ) The next Letter we receive on XXXX/XXXX/XXXX Ocwen states the they are unable to offer us a modification because, ; '' You failed to make the Initial trial payment within the required timeframe. ". Now after all of this contact from Ocwen they failed to provide us with any information in regard to any approval of our modification. Never sent a letter, and email, or made a phone call to my cell. Failed to contact me within 30-45 days of my approval, which is evident by the letter dated XXXX/XXXX/XXXX stating we failed to make a payment we were never informed of or offered a reasonable chance of making. We never received a payment schedule, approval letter to sign, or even a payment booklet. When I contacted Ocwen about never providing me with any documentation of any approval they ignored the flagrant violation of our consumer rights said they would fix the mistake and allow me to make XXXX trial payment and the problem would be solved. That was 90 days ago and i have not herd back after countless phone calls and emails. Ocwens XXXX number says that my next payment is {$720.00} due XXXX XXXX, XXXX. This is part of Ocwen 's back dating of loan modifications scandal of XXXX. Ocwen needs to honor the court ordered modification which they approved and failed to provide me with any documentation of now for a second time. Approval letter, Consent Documents, Payment Schedule, Payment Booklet. How could we possibly make a payment we were never informed of. This is after at least XXXX contacts by Ocwen and not XXXX relating to payments. This is part of Ocwen 's back dating of modification letter 's scandal of XXXX all over again in XXXX. Its extemely unusual that Ocwen ca n't deliver the XXXX a XXXX loan modificatio agreement XXXX now in two years. Instead only recieve and email from XXXX XXXX XXXX, XXXX. on XXXX/XXXX/XXXX a month after the modification letter was dated. The terms have to be realistic principle and interest on {$360000.00} is closer to {$2000.00} a month at 2 % not the {$4000.00} Ocwen wants us to pay. XXXX reasonable and customary payments of roughly {$2000.00} payed to an escrow account to the investor on the loan rather than Ocwen a debt collector stealing and not reporting the payment as is the customary practice at Ocwen. We would like to resolve this matter in a reasonable manner.
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2015-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Greetings, Our loan is serviced thru OCWEN. We requested an escrow analysis several months ago, in the XXXX 2015 timeframe. We have called several times since then and they indicated that since we are in a chapter XXXX plan, it may take longer to process. We noticed about XXXX weeks ago online that our house payment had increased by about {$340.00} per month. The escrow amount was about XXXX but the principle and interest had remained the same. When we called recently, they indicated that they are investigating and they recommended that we make the old payment for XXXX 2015, which we did today, XXXX/XXXX/15. We have been current on our mortgage since XXXX and now risk being delinquent, unless we make the increased payment for which we have no documentation as to why it increased. Our fear is that what little good credit we have established by paying them on time will now be impacted. This company seems to routinely " operate in the dark '' from our experience and we are glad that you are here to help us. Thank you.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2015-05-29
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Lost jobs unable to pay, gave us small payment plan
Company Response:
State: MI
Zip: 49120
Submitted Via: Web
Date Sent: 2015-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Paid OCWEN mortgage payments based on last statement received ( and on website ) XX/XX/XXXX stating the XX/XX/XXXX payment due. Payments commenced on XX/XX/XXXX, with a total of XXXX payments made. Now we are getting generic statements saying we owe differing amounts every month. Yet the website states we owe for the XX/XX/XXXX payment and are in the arears for {$9900.00}. Monthly payment is {$870.00}. Even if I am behind, since XX/XX/XXXX which I do n't believe I am the total past due is {$3500.00}. This is a far cry from {$9900.00} they say I 'm in arrears. Also sent a RESPA request to OCWEN in XX/XX/XXXX, certified letter, with a signed receipt and still have not heard from OCWEN. Looking at their accounting of our payments, it shows reversed payments, the suspense payments being made. When calls are placed to customer service dept, you never get the same answer twice from OCWEN.
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2015-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-28
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: Gmac is sharing conflicting information to myself and my XXXX credit report my first delinquency of my auto loan was back in XXXX as it is stated on my credit report and Gmac is reporting my first delinquency as of XXXX that is incorrect I will be attaching a file with cfpb results from XXXX and gmac and my credit report that has the first date of delinquency
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2015-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We submitted for short sale review on XXXX/XXXX/2015 The interior BPO was completed on XXXX/XXXX/2015 resulting in a value of {$110000.00}. We called Ocwen XXXX/XXXX/2015 and spoke with XXXX id # XXXX. This representative advised that the file was denied as Ocwen wants to net {$110000.00} ( meaning they want to net more than the actual property is worth! ) We requested a copy of the denial letter as well as a copy of the BPO. On XXXX/XXXX/2015 we spoke with the negotiatior on the file XXXX XXXX and it was confirmed that they are requesting a net of no less than $ XXXX- The negotiator stated the only option would be foreclosure or DIL.
Company Response:
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2015-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Loan Number XXXX with Ocwen. Ocwen is showing much more than what I owe on my Loan with them. Loan was taken out in XXXX XXXX for XXXX. Since then they are saying I owe XXXX. I have been trying to get statements showing my payments since XX/XX/XXXX. Recently with your help I did get them from XXXX/XXXX/XXXX but nothing before. The statements that I did receive had many discrepancies. I will up load the XXXX different statements to you showing the discrepancies. Beginning with the oldest statement that I have but not going to original date of XX/XX/XXXX. The oldest I have is XXXX/XXXX/XXXX to XXXX/XXXX/XXXX there were several payment that no interest or principle was applied those dates are XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Unexplained fees on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Other discrepancies were pages XXXX to XXXX were not mailed to me. Ended balance after XXXX/XXXX/XXXX was showing at {$81000.00} with all the discrepancies. Statement dated from XXXX/XXXX/XXXX to XX/XX/XXXX Balance was lowered to XXXX then they added a suspense application fee of {$510.00} bringing it back to {$81.00}, XXXX. Statement dated from XX/XX/XXXX to XX/XX/XXXX Many property inspection fees and valuations XXXX were done on XX/XX/XXXX only Balance was down to {$79000.00} on XX/XX/XXXX then I tried to get a modification and they told me I was going to lose my home many times unless I signed the trial payment. I had no choice and they increased my payments were I could n't afford and increased my Balance to XXXX. This was ILLEGAL but I thought I had no choice at the time. Statement dated XXXX/XXXX/XXXX to XXXX/XXXX/XXXX incorrect Balance of XXXX. Again I feel they increase my balance of my loan illegally and do n't owe what they are showing with all their fees and increase of balance. This is illegal unfair practices. I am still trying to get the statements from XXXX XXXX to XXXX XXXX to see if they have also made incorrect charges or did n't give me credit for my payments.
Company Response:
State: WA
Zip: 98665
Submitted Via: Web
Date Sent: 2015-05-28
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-27
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Dear CFPB representatives, We submitted a complete Making Home Affordable Home Affordable Modification Program Request for Mortgage Assistance to Ocwen Loan Servicing in XXXX 2015 as evidenced by the attached letter dated XXXX XXXX, 2015, confirming receipt of a complete application. Appallingly, Ocwen is presently stating that we never submitted a complete application and that the MHA HAMP RMA was kicked out for missing documentation in XXXX 2015, which conflicts with phone calls made to Ocwen for account status and also the attached letters confirming receipt. In XXXX 2015, we received the XXXX ( XXXX ) attached conflicting letters from Ocwen stating that we submitted a complete application and stating that the application was not complete, which prompted us to make a call to Ocwen to speak with our new relationship manager, XXXX XXXX XXXX ( Agent ID # XXXX ), to clarify the RMA status. On XXXX XXXX, 2015, XXXX XXXX XXXX ( Agent ID # XXXX ) conveyed that the only missing documents were rental income documentation but we did not report any rental income, so he acknowledged the error and confirmed that all documentation was in as of XXXX XXXX, 2015. On XXXX XXXX, 2015, XXXX ( Agent ID # XXXX ) in XXXX, XXXX again requested the exact same rental income documentation that we spoke to our relationship manager about more than XXXX ( XXXX ) weeks prior and once again, we advised that there is no rental income reported. On XXXX XXXX, 2015, Ocwen placed a foreclosure sale date on the file for XXXX XXXX, 2015, and stated that there was no RMA review in progress yet I did not receive any MHA HAMP RMA denials for the MHA HAMP RMA that was confirmed received via the attached letters back in XXXX 2015, which is entirely in violation of the US Department of Treasury 's MHA HAMP programs per my understanding. To add insult to injury, on XXXX XXXX, 2015 ( today ), we spoke to our single point of contact ( relationship manager ) at Ocwen, XXXX XXXX XXXX ( Agent ID # XXXX ), who initially advised that I did not have any consumer rights because I did not make my payments, which is false, and that my MHA HAMP RMA was kicked out in XXXX 2015 for missing documentation that XXXX XXXX XXXX ( Agent ID # XXXX ) negated back on XXXX XXXX, 2015, per the RMA submitted. I am in outraged honestly as to Ocwen 's unfair, abusive, unlawful and deceptive acts and practices as well as the blatant MHA HAMP RMA violations in processing my request for mortgage assistance. In response to learning of the sale date today ( XXXX XXXX, 2015 ), I promptly resubmitted the MHA HAMP RMA from the Making Home Affordable website along with a XXXX, all profit and loss statements and a non-borrower authorization for XXXX XXXX. While I will continue to fight for the right to modify my mortgage loan event though my relationship manager, XXXX XXXX XXXX ( Agent ID # XXXX ), stated that I did not have rights due to my delinquency, I ask that you do all that you can to assist us in achieving a fair and affordable mortgage for our family home. We are not asking for special treatment, we are simply asking to be treated in the manner outlined by the Department of Treasury 's MHA HAMP RMA programThank you in advance for your assistance with this matter and please contact me either via email or phone for further information. Again, thank you! Thank you!
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2015-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-27
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: My ex-wife and I separated in XXXX. In the process, my mortgage loan was modified by GMAC beginning XXXX XXXX. Shortly afterward Ocwen Loan Servicing took over. My divorce was final in XXXX XXXX. The house stayed with me, my ex-wife signed and filed a Quit Claim for said property. In XXXX I began the process of attempting to have her name removed from the mortgage with Ocwen. Ocwen began " reviewing '' the assumption package XXXX XXXX, XXXX. I have continued to supply Ocwen with responses, paperwork, forms, documentation, and whatever else they requested since. I was traveling during XXXX of the times I was requested to provide documents and it took approximately XXXX weeks to honor that request, but most times I provided whatever information requested within XXXX days ; sometimes within hours. From approximately XXXX XXXX to XX/XX/XXXX, Ocwen had an " internal issue '' in their FHA underwriting department. This issue brought the entire assumption process to a halt. I find it difficult to believe that Ocwen could not or did not write a single FHA loan during that time. My income alone is higher than were mine and my ex-wife 's incomes combined when this loan was originated. My income is higher than it was when this assumption process was initiated nearly XXXX months ago. My debts are lower than they were when this loan was originated and they are lower than they were when this assumption was initiated - by nearly $ XXXX/month. I am, and have been, paying as agreed since the modification of this loan in XXXX XXXX. I have not been late. I have not missed a payment. I have paid at least the full amount and as a matter of fact have paid extra for several months. My ex-wife has grown impatient with this process and has filed contempt charges against me. Because of Ocwen 's failure to execute, I might very well incur legal problems. As a result, I have begun applying for another mortgage loan with another provider. If Ocwen continues to fail and I am required to obtain a loan with another provider, the terms of the loan will be different from my current mortgage. A new loan will cost me more money now as well as in the future. I was told at XXXX point in all of this mess, that if this assumption was " approved '' with Ocwen that the terms of the loan would not change. I am not applying for a loan ; I am only attempting to have my ex-wife 's name removed from the existing loan. She has signed and filed a Quit Claim. The XXXX XXXX XXXX, in the divorce proceedings, ordered that I be the sole owner of this property. My income is higher and my expenses are lower than when this process was initiated. Ocwen has been provided with all of this information, and more. Repeatedly. Some type of relief would be nice although I understand that might not be possible. If not for me, perhaps something can be done to prevent this type of unethical, frustrating, improper, incompetent behavior and/or activity from happening in the future.
Company Response:
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2015-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was sent a mortgage modification from my mortgage company " Ocwen '', I filled out no paper work it was just sent to me. So I decided to take advantage and started the trail payments. I finished the trail payments which I set up on their website to be automatically taken from a bank account, so that I would not be late. I noticed the payments had stopped and asked my mortgage counselor why. I was told they would resume once the mortgage modification was approved. So I left enough money in that account to make the first payment. We are on a very tight budget and owe money to other debtors as well. So every extra dollar we use to try and pay off a debt. I asked the counselor do I have to do anything or change any information. I was told no they had my bank info and the payments would continue to come out automatically. The modification was approved XXXX months later and I was told I had to send in XXXX payments. I told them I did n't have XXXX payments I thought they would take the payment I left in the account when it was approved and I would add another. I was told at this point it was my fault and responsibility to keep paying. I argued I was miss informed could they please help me there is no way I can send XXXX dollars. Please add the payments to the end or can we stretch them out over XXXX years seeing I was having a hard time with the payment before the modification, how would I now be able to pay a higher payment if I could n't before the modification? I was angry and they were very demeaning telling me as a homeowner I should know better. I said to them why did you stop my auto pay they had no answer it my responsibility. I again explained I trusted their direction and now they will kick me and my wife and kids out on the street if I do n't give them at least XXXX and they will set up a payment plan for the rest. I don ; t know what to do I don ; t want to be homeless, we have lived here for almost XXXX years. Please help they seem to do and say what ever they want.
Company Response:
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2015-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No