Date Received: 2015-05-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen Loan Servicing LLC is dual tracking while my HAMP application is under review. It has sent me a letter threatening foreclosure.
Company Response:
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2015-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been trying to get a modification for XXXX years from XXXXservicers. XXXX was the XXXX servicer who set up thetrial modification but never finalized it. They sent a lettercongratulating the finalization but never sent the packet by XXXX. Ocwen received my loan XX/XX/XXXX, 2010 but stop taking payment on XX/XX/XXXX2010. The reasoning was the investor does not acceptmodifications. I need some help resolving this issue immediately.
Company Response:
State: MD
Zip: 21216
Submitted Via: Web
Date Sent: 2015-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-22
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I want to file a formal complaint against Ocwen Loan Servicing , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX. We refinanced our home mortgage in XX/XX/XXXX when housing prices were up. Unfortunately, are now in an underwater mortgage because of the real estate market dropping several years ago. We applied for the HARP and HAMP loans, but we were denied because we make our payments on time EVERY month and currently we make enough money to pay our mortgage. We want to eventually downsize, but we ca n't sell our house at the current amount that is owed. I spoke with a mortgage consultant at XXXX XXXX XXXX. He informed us of a program that is a short payoff refinance through FHA. We had our house appraised and it is now valued at {$110000.00}. Our mortgage balance is {$160000.00}. I, along with the mortgage counselor at XXXX XXXX contacted Ocwen Loan Servicing , LLC . We explained to them that our house was appraised by a certified appraiser and there is a program specifically for our situation and that Ocwen Loan Servicing does participate in this program. We offered them the amount that the house was appraised at, which was {$110000.00}. On or about XX/XX/XXXX, we received a letter from Ocwen Loan Servicing indicating that they are accepting the " Discount Payoff '' for {$110000.00} and it was valid until XX/XX/XXXX. We continued working with XXXX XXXX XXXX by submitting all of the documentation that was requested of us. They had already approved us for the mortgage based on our credit scores as well as our income. Time was starting to run short and so our mortgage counselor requested additional time so that we would have ample time to make sure that everything was submitted to their specifications. Once we requested additional time, Ocwen started sending us letters that the discount payoff agreement was denied. Ocwen never submitted the payoff quote for the correct amount which was agreed upon, but instead they submitted it with the total amount which is currently owed on the loan. Our mortgage counselor as well as his manager made numerous phone calls to Ocwen and they were on the phone for hours trying to get the correct documents so that we could close on the new loan and also so that we could meet the deadline of XX/XX/XXXX. We were told that they would see about extending the date for a few days, but they would not put that in writing. The underwriting team from XXXX XXXX XXXX would not release funds without it being in writing for fear that Ocwen would reject the EFT. Because Ocwen kept transferring us to the wrong department all along and they will not submit the correct paperwork, we have now lost out on this agreement. A few times we were told that we need to talk to the short sale department and we did do that, but they kept saying that we were not approved for the discount payoff, when in actuality, we were. They have reneged on the agreement because of deliberately stalling and not submitting what was asked of them so that we could finalize everything by the termination date of the agreement. I feel they have been very unethical and also unprofessional.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-05-22
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen Loan has reported several different account numbers on my credit reports for the same account. I called them to verify debt - all but XXXX are invalid account numbers. XXXX invalid account number is reporting on my credit as included in a bankruptcy in XXXX XXXX and closed on XXXX/XXXX/XXXX. I filed for bankruptcy on XXXX XXXX, XXXX. All of the adverse accounts on my credit report were included in this bankruptcy but this XXXX invalid account shows as another date. I have disputed with all XXXX credit reporting bureaus and they will not remove it. I do not understand why this false account is showing on my credit report and with a false date for bankruptcy. I am not credit worthy for anything with this mortgage deficiency POST BANKRUPTCY, which is not even a valid account. My correct mortgage account was included in my bankruptcy and it reports as such on my credit reports. I am asking for help in getting Ocwen and/or XXXXXXXX, and XXXX to remove this false information from my credit reports.
Company Response:
State: NY
Zip: 14120
Submitted Via: Web
Date Sent: 2015-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: approximatley 3 yrs. ago my mortgage loan with Indymac was sold or transferred to ocwen debt collection-loan servicing company. it has been a consistant battle with them since then, regarding payments i send on time and then they will hold the payment till it 's considered late so they can collect late fees, then indicate they will foreclose on my home. i have documentation of the paper work they send re : this. i have documented all the phone calls of when, person 's name and id # & time of calls. i ask if it will be recorded. they say it is. i had to miss a payment in XXXX 2015. i called XXXX, told them it was just for XXXX, explained why, asked if it was ok and if there would be any penalties or issues of foreclosure. cust. service said a XXXX time XXXX month payment would not have any effect and my account was in good standing, and that it would be fine. so, i did not make XXXX payment. i made XXXX and XXXX 2015 payments on time and have been harrased by collections dept. @ ocwen, recieved paper work from them giving me options to short sell, give deed in lieu of and foreclosure. i call them about this and am told to disregard it because it is automatically sent by their system. then i am sent more paper work re : foreclosure issues. and they applied XXXX payment to XXXX and then they applied XXXX to XXXX. more foreclosure paper sent to me. i sent the funds required to them on XXXX XXXX and then XXXX XXXX 2015 to be caught up and they withheld paymenys till they were considered late again. this is my complaint.. i am very concerned they are sabotaging all the payments i send so they can foreclose on my house. indymac did this as well just before they gave my loan w/them to ocwen. i had to hire attourney 's to stop foreclosure then. please instruct me on how to get ocwen from doing what they are doing. Thank-you. Sincerely XXXX XXXX.
Company Response:
State: CA
Zip: 95667
Submitted Via: Web
Date Sent: 2015-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-22
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I applied for an independent foreclosure review and the Indymac then transferred to XXXX XXXX XXXX now serviced by Ocwen sent correspondence that I was not in foreclosure and that the mistake was due to a misplaced payment yet I have fees on my account amounting to approx XXXX. I have sent letters in XXXX XXXX to all XXXX mortgage companies above and have not received a response. I also requested a copy of my original loan application, HUD -1 as well as copies of any and all assignments of my deed of trust filed in Maryland land records. I have only received a letter from Indymac stating that they have received my request but I have not received any documents or copies nor resolution to my foreclosure fees.
Company Response:
State: MD
Zip: 20878
Submitted Via: Web
Date Sent: 2015-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage was sold to Ocwen. I had to file bankruptcy in XX/XX/XXXX in order to keep my house. There were areas of accounting that I could not prove, but I have been keeping betters records. My bankruptcy was discharged in XX/XX/XXXX. Ocwen kept telling me that my account was in active bankruptcy. I had to call and call and I could not get anyone at Ocwen to do anything about it. Ocwen finally did an " audit of my account in XXXX of this year. Ocwen has claimed that sine XX/XX/XXXX I was a month behind on payments. I have a report from them dated XXXX XXXX that showed I made a payment every month until XX/XX/XXXX and I have bank statements that show payments every month through XXXX XXXX. Ocwen shows on their website and at the reporting credit bureaus that I have missed XXXX payment during the last year. I HAVE NOT!!! They refuse to correct the credit report. Ocwen has added insurance to my account and under bankruptcy they opened an escrow account for the insurance. XXXX billed the payment to Ocwen and as of XX/XX/XXXX I have paid the full premium for the insurance. I now have a positive balance in the amount of {$2.00}. Now Ocwen wants to add approximately {$230.00} per month to my payment for insurance that I do not even owe. I have faxed and mailed a letter stating that I am closing the escrow account since I am no longer in bankruptcy and that I will be paying my own insurance. They in effect are trying to robbing me out of {$1500.00}. I have seen lawsuits for each of these reasons stated in this complaint. I have tried to contact the research department, the escrow department, and supervisors that can speak in a language I can understand. I would like to know what else I can do or who else I can contact. I fear they are again not following proper financial standards and are trying to take my house again using fraudulent practices.
Company Response:
State: AR
Zip: 717XX
Submitted Via: Web
Date Sent: 2015-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have been contacted over and over during the past three years for a debt I do n't owe. XXXX it was XXXX call, then a year later they started calling me ever few weeks, then XXXX or XXXX a week, and now they call me every single day, XXXX times a day. I have spoken to them on multiple occasions and they have been nothing but difficult. XXXX they absolutely refuse to say anything but " I 'm sorry you are not authorized '' as soon as they find out I do n't owe them money. XXXX they keep taking my name and phone number but it apparently does absolutely nothing. I have XXXX and this is not only very XXXX but I also have XXXX and their calls at XXXX are disrupting what little sleep I get.
Company Response:
State: AK
Zip: 99654
Submitted Via: Web
Date Sent: 2015-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: failing to accelerate the loan prior to initiating a foreclosure action.
Company Response:
State: SC
Zip: 29687
Submitted Via: Web
Date Sent: 2015-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Suffered a traumatic head injury in XX/XX/XXXXI was 3-4 months behind at this timeThis has been a lengthy process that has involved multiple mortgage companies and many agencies and a couple of attorneys and their continued involvement. Dealing With IndyMax before OCWEN purchased my loanDenied repeatedly every attempt to work out a payment plan to recover the 4 months I fell behindMade monthly payment ( 37 Months ) following my injuryCalled to make a payment XX/XX/XXXXWas told that only a full payment would be allowed. Told to talk to the customer care teamTold that based on my payment history they would likely just do a " CAP MOD '' A " Cap Mod '' is when they take the past due balance add it to the principle and I continue to make the same monthly paymentI asked how long the modification process would takeTold 30-45 days max but in my case maybe shorter-months laterNever a denial letterNever anything except the continued request for the same documentsThen when I made my weekly call asking for a status report I was transferred to OCWENOcwenAt this point I knew this was a scam but I truly believed there was legal ramifications that would not allow them to take my homeTalked to OcwenI had no choice but to submit another modificationCompleted the Modification and sentRepeatedly asked for more documents ( again ) And this went on and onI could only speak to my contact at Ocwen by " appointment only '' Appointments were always 2-3 weeks outBy the time the person from Ocwen called me the documents were outdated and I need to submit new onesThis went on and on for an additional six monthsXX/XX/XXXXOCC ... .Office of the Comptroller of the Currency did a foreclosure review of IndyMac and found I was entitled to a payment16 Months later I finally get a denial letter from Ocwen claiming I could not afford the modification plans they offerI disputed stating that my history proved I can and because of the delays THEY only made things worseTalked to someone " actually in this country '' regarding my denialPut the blame on IndyMacI told him that OCWEN did the same thing continuing to delay the process and that I could n't talk to anyone for 2-3 weeks which only made the previous documents " outdated '' He stated that they denied my modification because it would not lower my payment. I told them that was never my intention and I had a history of making my payment and only fell behind because of hospitalizationIndyMac and NOW Ocwen delayed the modification process when Central ( my other home ) completed the process quicklyHe explained that they do n't look at payment history or do modifications " willy-nilly '' He ended the conversation by saying they could assist in a short saleThat was the whole plan to begin with ... force me to short saleContacted HUDI was told I should consider talking to attorneyI contacted an attorney who asked to review Ocwen Denial ReportBased on the attorney 's finding she stated that Ocwen had not used all my incomeSubmitted new modification which the attorney prepared so they were VERY CLEAR of my incomeThe attorney also stated that Ocwen only denied me on XXXX type of loan and never offered other typesDenied again. stating my home was worth less then I owed. Contacted HUDThey referred me to XXXX to help me with the litigationI was so grateful because I had no luck communicating with anyone at Ocwen. No matter who I spoke to I received the same scripted answerXXXXThey explained my home price was not a HAMP requirement and that they would handle the litigation for meNo communication with XXXX eithercontinued request for documents- we promptly prepared and sentLast Document request XXXX XXXX and sent by NIDForeclosure noticeXXXX XXXXNever received a denial and either did XXXX receive anythingLegally I believe they had to allow me 30 days to dispute..nothing
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-05-21
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes