Date Received: 2015-05-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Case # XXXX THIS IS NOT A DUPLICATE ... The Company has not responded. It amazes how they have no qualms about continuing their deceptive practices.
Company Response:
State: TN
Zip: 38106
Submitted Via: Web
Date Sent: 2015-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-26
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In reviewing various statements from Owen Loan Servicing # XXXX, which was transferred from XXXX XX/XX/XXXX. There are various discrepancies that need clarifying.The original loan amount was {$640000.00}. Why does the statement say, {$640000.00}. Additionally, I need a breakdown of all costs that the transfer of the servicing to OCWEN such as the alleged interest in the amount of {$120000.00}, alleged Late Charges, {$7200.00}, alleged Escrow advances, {$75000.00} ( copies attached ). In addition, on XXXX of the statements that name at the top of the letter says XXXX XXXX on my account. I need to know why would another person be on my account with my loan address, unless this account in fact does not belong to me. Also in the payoff statement dated XX/XX/XXXX, which has the name XXXX XXXX, and my address, how can the amounts be verified is another person 's name is on my loan. I would appreciate your attention in this matter.
Company Response:
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2015-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-25
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My home mortgage company Ocwen Loan Servicing , LLC took over our account from XXXX XXXX. They changed our online account access and we are no longer able access our account. We followed the enrollment process and they have made it impossible to access our account. We discovered they were pulling from our account almost 30 % of the need escrowed value. This is being done fraudulently. We have made repeated calls and got no where.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2015-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Unreasonable delays in mortgage modification.
Company Response:
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2015-05-26
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: Yes
Date Received: 2015-05-25
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: After XXXX years we finally received an escrow statement from our mortgage company. There were several items that we incorrect. 1 ) We had overages that we were never notified of, and have no idea where the money was applied. 2 ) They do n't show a XX/XX/XXXX, or XX/XX/XXXX and XX/XX/XXXX. They do have XXXX payments posted without a month attached. 3 ) We have made extra payments From XX/XX/XXXX-XX/XX/XXXX and have no way of knowing where the money was posted. 4 ) The beginning balance they show as XXXX, it should have been the amount they received from XXXX XXXX XXXX which was {$2100.00}.
Company Response:
State: AZ
Zip: 85383
Submitted Via: Web
Date Sent: 2015-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-24
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Ocwen has not responded to our request to validate our debt. Specifically, our mortgage was bundled in with several fraudulent activities including, Robo signing, improper disclosure of interest rate calculations prior to closing, illegal handling and reporting of escrow account payments and credits, and improper crediting of payments under federal modification agreements. All amounts said to be calculated or previously owed have not been accurately reviewed or proven to be correct. A request was made in writing disputing the validity of the debts, calculations or interest, subject to federal and settlements and legal proof to continue to be able to report all facts represented in the consumer credit report. This request was certified return receipt and has yet to be answered with any proof or mere correspondence, but continues to be an adverse action on my consumer credit report.
Company Response:
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2015-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: 0cwen Loan Servicing, is my loan company , this company rejected to make home affordable,XX/XX/XXXX,I received XXXX certify letter from Ocwen through power default servicing; showing $XXXX, and sent letter to my separated wife she was never co -borrow to my loan Ocwen Loan Servicing no she did not/' for Ocwen to give her name to debt collection power default ' she have no knowledge of power default it's deceptive and false pretending to harassment her 'because she call on my behalf,I tried some years ago /Ocwen office stated no because she wasn't on sign borrow loan origination' the only way she was allow to speak to Ocwen doing my work XXXX or out town' there was a power attorney I had get wrote up' for her call about I purchase a home XX/XX/XXXX for $XXXX paid $XXXX my balance $XXXX Monthly payments $XXXX began XX/XX/XXXX until XX/XX/XXXX &XX/XX/XXXX there fees and charges for title search each month adding Insurance' fees certify letter charges letter I never received 'got call from Ocwen,stated got put you forbearance'$XXXX never heard of it, ocwen always send a statement calling payment suspend payment; I'ld call every day some time hang phone up,I taken fight to XXXX office XXXX. IT it taken me day to location building security stated this is debt collection office only bill come here.I reply I send my payment here I need speak to a person; after standing out side for hour, finely some XXXX came down, let me in and stated since you airplane here I guess I can talk to you we don't allow customer in hear; I ask about fee charge and how can I get charges late fees payment on draft.she could not answer;I ask what can I do to stop this deceptive practice, ocwen staff went up stairs came back with a printed paper;show me if you pay $XXXX this would get you out forbearance,it have not stop any thing to this date,I have paid total $XXXX on my property, doing my bankruptcy in XX/XX/XXXX Ocwen loan servicing send in a fraudulent foreclosure to trustee , I had never had a foreclosure paper issues to me back in XX/XX/XXXX, sent it to trustee bankruptcy for$XX/XX/XXXX & got paid money was going under XXXX. , this company Ocwen has taken my money trying put me out of my home;it;s unfair, ocwen refuse my application for modification; the modification the court approve XX/XX/XXXX brought my payment down from $XXXX to $XXXX Ocwen continue to send letter they brought my payment down from $XXXX to $XXXX the $XXXX was the down payment I never got credit for.XX/XX/XXXX I requested help XX/XX/XXXX as for help. the XXXX certify letters from power default servicing;have no sign name. the letter stated i owing from XX/XX/XXXX, nothing about payment they taken in bankruptcy, or did Ocwen add my name to sue brought against them by attorney General office, I call Ocwen ;about why my name wasn't on list; or why I haven't received a form from suite' I was told send a letter requesting my name be add, to get paid to fax XXXX give them XXXX-day waited, call back I was told you type it ,you have to hand write it, send copy of your ID, this that have not received anything but letters and statement, showing amount due $XXXX and principal balance due $XXXX have escrow balance -due $XXXX.,this have been fraud business since day one.I have take my life saving and have lot it ,with Ocwen;for many years they need be put out business. when I call they want give me there name having you waiting for long time. Ocwen and payment how they have defaulted my loan payment, cheated the bankruptcy trustee take money under false names.
Company Response:
State: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2015-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-23
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: I was a co-borrower in a housing loan with my former wife. When I divorced my wife, the loan with OCWEN was modified but the modified loan still shows that I am a co-borrower. I did not give my consent, verbally or in writing or thru an Special Power of Attorney, that I would still be a party to the loan modification. My credit report shows that I have an outstanding home loan with OCWEN/LITTON. I did NOT sign any loan modification documents at all. I have asked copies of the loan documentation from OCWEN/LITTON but they have refused my request.
Company Response:
State: CA
Zip: 907XX
Submitted Via: Web
Date Sent: 2015-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX title company overpaid my mortgage loan payoff at closing on XXXX/XXXX/2015. I contacted the servicer/lender ( OCWEN XXXX XXXX ) in writing via their on-line support on XXXX/XXXX/2015 and requested a refund of the over-payment. I received a secure confirmation of my request on XXXX/XXXX/2015 from their system. The servicer/lender did not process the refund until XXXX/XXXX/2015 in violation of the regulation. I have not received reimbursement as of XXXX/XXXX/2015. XXXX Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( XXXX ) Refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer ;
Company Response:
State: OR
Zip: 97008
Submitted Via: Web
Date Sent: 2015-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing modified my loan per my loan documentation mailed to me XXXX XXXX and then again XXXX XXXX. My new modficiation should be {$910.00}. But when I go online to pay, it states that my new payment amount is {$1200.00}. I have a signed loan modification agreement indicating that my loan should be {$910.00}. Also on my statement, XXXX statement indicates in the Important News section that my new amount for my XXXX XXXX payment is {$910.00} then I received another statement about 15 days later indicating in the IMportant News section of my statement that my new upcoming payment for XXXX XXXX is {$1200.00}. They added this information incorrectly and deceitfully but I have XXXX documents mailed indicating my new payment should be {$910.00}. When I call they are telling me it will be {$1200.00}. I have emailed and faxed in the document I received from XXXX XXXX in which she signed XXXX XXXX, 2015 authorizing my new modification agreement. I need my new payment amount to reflect {$910.00} in their system
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2015-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No