Date Received: 2015-05-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Loan Modification Application was sent via email ( XXXXXXXXXXXX ) to Ocwen on XX/XX/XXXX. Additional documents were requested on XX/XX/XXXX by the plaintiffs attorney XXXX , the request was based on the borrower seasonal income period worked, that request was responded to and the question addressed via a letter of explanation XX/XX/XXXX. On XX/XX/XXXX updated documents were sent for the continuation of the modification review. Once again another request was sent regarding the borrowers seasonal employment, a letter of explanation was sent and also proof ( class schedule ) start and end time of the seasonal employment. Due to the delay in review, Ocwen then requested updated documentation for the co-borrower, this request was adhered too, however the delay in review and the sporadic erroneous request kept on for almost two months. With the most recent being XX/XX/XXXX, where the servicer has revisited and requested additional information on paystubs that were submitted since XX/XX/XXXX. The requests are unnecessary and a delayed tactic that the servicer is engaging all requests were responded to and all questions addressed.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2015-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-19
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: XXXX is showing over 120 days delinquent on a Mortgage that was included in a Bankruptcy that was discharged XX/XX/XXXX. The loan was sold to Ocwen Loan Servicing in XX/XX/XXXX a year after is was included in the Bankruptcy which is now reporting me delinquent on a loan that was discharged in the Bankruptcy. Litton is no longer in service so there is no way to get them to respond to my complaint. At least XXXX Complaints have been filed with both XXXX and XXXX regarding XXXX loan companies and have still not gotten the issue resolved. We are currently trying to buy a house and can not proceed until these issues are resolved. The property address in question is XXXX XXXX XXXX, XXXX, MD XXXX.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2015-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-19
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Complaint was filed with Federal trade commission. Consumer Finance and HUD. NO COMSUMER LAWS WERE UP HELD. FRAUD COMITTED BY THE FOLLOWING BANKS!. XXXX Excessive Brokers Fees, XXXX in PA. Transferred loan under court jurisdiction when not aloud did not collect from XX/XX/XXXX to XX/XX/XXXX. no TRANSFER RECORDED NO REFINANCING ALOUD NO NOTICE FOR MOST TRANSFERS. 2.XXXX sister company held from XX/XX/XXXX to XX/XX/XXXX transferred again with out court approval. 3. Littion Loan Servicing- fraud not posting payments collecting fire insurance when not needed paying taxes when not late.recording less money than paid to IRS Transferred after XXXX FRDULENT COPIES SENT TO CONSUMER FINANCE HUD AND FEDERAL TRADE COMISSION. NOT listed in XXXX district court as having owner ship XXXX Only. 4. Transferred to Ocwin never collected a dime never signed any thing with this company. Reporting on credit report as fore closing when XXXX XXXX was aloud to foreclose even with a letter sent to comsumer finance by a official from XXXX XXXX stating they had no legal right to collect.. Posted in XXXX district court also. 5 XXXX XXXX no transfer ever given no papers signed no right to collect. In XX/XX/XXXX XXXX person went into the XXXX district court and transferred my mortgage from XXXX to XXXX to XXXX & lt ; XXXX. Where were the reps from these now defunk companies sinceXX/XX/XXXX. Paper work was also fraud. I guess anyone can steel anyones property I have proof of this even in court documents. It is required to register right to collect where is the XXXX in XX/XX/XXXX and Littion Loan servicings? You as well as the XXXX district court stole my house. Was n't itbad enough that these banks did what they did? Iam now XXXX years old with majer health problems brought on buy this, My credit is being ruined by Ocwin bank who never collected a dime and is not registered in the XXXX district to collect.CFPB did nothing as well as Federal Trade Commision and HUD you all are being paid to enforce Comision protection Laws and NONE of you are you all need fired. for you XXXX, Please do publish this and if not I will!
Company Response:
State: PA
Zip: 172XX
Submitted Via: Web
Date Sent: 2015-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I recently refinanced my mortage taking advantage of a HARP loan thru XXXX XXXX. The process went very smooth and on XXXX XXXX I closed on the loan at XXXX XXXX XXXX in XXXX IL. The funds of {$83000.00} were wired to Ocwen Mortage on XXXX XXXX 2015 and received into their XXXX XXXX Account. The same day of this deposit, XXXX XXXX 2015, Ocwen transfered ownership of the loan to XXXX XXXX. As of today, XXXX XXXX, 2015, Ocwen has not turned these funds over to XXXX XXXX to satisfy the payoff of this mortage. I have been in contact with Ocwen over the last XXXX weeks and have been assured that the funds would be transfered. This is a concern to me as I am now receiving letters from XXXX advising that I am deliquent and must pay as soon as possible or I will be in default. I have contacted XXXX XXXX and advised them of this situation as well.
Company Response:
State: IL
Zip: 60087
Submitted Via: Web
Date Sent: 2015-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-19
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: OCWEN mortgage servicing company ( XXXX ) has been calling for over a year. I have never had a mortgage with anyone. Explained each time that the person they are looking for is not at this number, that I am not the debtor they are looking for and requested each time to have my number removed from their system. Have called their " support '' number and requested my number be removed. They continue to call daily, sometimes XXXX daily.
Company Response: Company can't verify or dispute the facts in the complaint
State: IL
Zip: 62269
Submitted Via: Web
Date Sent: 2015-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-19
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was recently notified that I was denied for a HAMP loan modification. I was denied by ocwen XXXX per FHA guidelines. Per the Treasury guidelines for HAMP I have the right to have an explanation of what factors used to make the decision and I hereby request the values used in making the calculations along with the date the process was completed within 30 days of the notice of denial. and dates, per that same guideline. In addition I would like a line by line explanation of what gross income was used, what expense figures were used as well as where the value you obtained came from, because you stated you reviewed for all workout assistance and I received a denial way before thirty days. It seems to me you rushed your decision because not once did you reach out to me for copies of rental income and lease. The renters in my home are not seasonal they are very consistent in paying rent and have never missed. I can not you sleep at night, after this denial, my husband was diagnosed with XXXX and he is now XXXX. After working for 18 years at XXXX he was fired. I had to care for him during his year of XXXX. We were denied due to renters are seasonal. I would like to be able to show you that my renters are not seasonal. I would like to fax bank statements of rental income and a current lease. Unbelievable we showed you my husband XXXX award letter for the time he started getting his XXXX check after a year and half. Ocwen make FHA sound like so sorry for your bad luck. But after all of we do n't care. I believe this underwriter did not follow the occs guideline, please research this for me. I can be reached at XXXX.
Company Response:
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2015-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing LLC:1. Applied payments that we made to our mortgage balance. They have conducted an audit and all the payments made the payments still have not been applied. Arrearage payments are to be applied to the mortgage as well. 2. We have been charged interest on an incorrect mortgage balance due to payments not being applied. 3. We have been paying on an escrow agreement in XXXX XXXX - made by the previous loan servicer which is due to complete in XXXX XXXX. Ocwen is not honoring the agreement even though they have been accepting the payments since XXXX. I have personally discussed this with Ocwen in XXXX. I was told they saw the additional escrow, knew what it was for. I asked them if they were responsible for the entire loan including the history form Litton Loan Servicing and was told be the representative that they were and assured me everything was in order. From time to time Ocwen charges a late fee, in error, for a payment we sent on time. Maybe they 're attempting to add that - which would be wrong. 4. Ocwen was told that the balance was incorrect and asked them to investigate whether all payments had been applied. I was told all payments made to the mortgage were applied to the mortgage balance. All payments have been accepted, but not applied to the mortgage balance. 5 From the audit Ocwen performed per their XXXX XXXX Letter to us, it was discovered that all arrearage payments I made by the ch XXXX bankruptcy court were not applied to the mortgage balance. It was shown received, but not applied. It looks like they stole the money. Not applying it now is still a huge problem. It also made and is making us pay interest on an incorrect balance costing us to pay more money than we should. Is n't this against the law? 6. Payments in arrears were made to the account that were not applied to the mortgage and submitted to the chapter XXXX court in XXXX ( falsely ) as proof of a past due arrearage total. I have discovered proof after the XXXX XXXX letter. Ocwen audited the account in XXXX XXXX and should have applied the payments to the mortgage but did not. 7. Ocwen has claimed in the XXXX XXXX letter that we have a short fall of the agreement made in XXXX and needed to increase the mortgage balance or pay off the shortfall separately. Ocwen has provided no proof of missed payments ( month and year of each missed payment that resulted in the shortfall ). We would have had to miss XXXX payments in order for the amount they were requesting to be true. We wanted them to show what payments were missed, but they have not. 8.I was turned down for a business loan in XXXX because Ocwen reported to the credit bureau that I filed a chapter XXXX bankruptcy in XXXX. I disputed it and it was investigated. Ocwen responded to the credit bureau that their information was correct and it remained on my credit report. I called Ocwen and was told they did not report a bankruptcy so I reapplied for the business loan again in XXXX and was turned down because Ocwen reported a ch XXXX bankruptcy to the credit bureau. Ocwen denied it. Then approximately a month ago, Ocwen sent a letter stating that they have removed all notes regarding the bankruptcy. So they did n't tell the truth about not reporting false information to the credit bureau. 9.Other agencies need to know what happened, including the Chapter XXXX Bankruptcy Court XXXX As there are other violations, such as paying their bankruptcy attorney fees with money that should have been applied to the arrearage, late fee charges, increased the mortgage .... Ocwen audited the loan in XXXX. They saw it and did nothing to correct it. You ca n't just keep the money and make us pay for it all over again.
Company Response:
State: OH
Zip: 45459
Submitted Via: Web
Date Sent: 2015-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Our loan servicing was purchased by Ocwen XX/XX/XXXX. Shortly thereafter they started to impound our account for both taxes and insurance. Impounds have never been part of our loan agreement. When I called to question why they are charging impounds, no one could answer my question for the XXXX few months since my loan docs were n't uploaded to their system. So, they did n't have my loan docs, yet they were impounding my account. And of course, it cost me valuable time and many phone calls to finally have them read our loan docs and realize their error. Then, they did it again in XX/XX/XXXX by paying our property taxes and impounding our account. Again, without telling us and again not part of the loan docs. And again putting me through the hassle of getting this taken care of. They have been a disorganized mess from Day XXXX.
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2015-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen is trying to force an escrow on us. This was closed last year and we thought it was over. Yesterday, XXXX XXXX, 2015 they paid my insurance with no authorization from anyone. In addition, they over paid the premium by almost {$1200.00}. In today 's mail I received information on an escrow and they want to add {$790.00} per month to our payment. We have never had an escrow and do n't want an escrow. And what they are charging is more then XXXX times the cost of our insurance.
Company Response:
State: CA
Zip: 92262
Submitted Via: Web
Date Sent: 2015-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-18
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: After XXXX other miss informed ordeals with OCWEN Loan servicing LLC and losing nearly {$1000.00} 2-3 years ago I want to record any and all calls with them for my records. the beginning of this year I had a financial storm with my health insurance being erased and my medications that are usually less than {$10.00} costing over {$250.00} on my fixed income. not a week later the hot water tank flooded my home wiping out my emergency money and then the bank did n't follow through with their over draft protection costing me excessive fees. I had only XXXX way to get my head above water financially it was to miss XXXX months house payment until I could sell a few things to get caught up. I tried to explain my situation numerous times to OCWEN and keep them informed but they began to get belligerent and disrespectful and demanding payment. They have refused to be recorded on the phone while trying to find a solution to this situation. I went the extra mile seeking mitigation through XXXX XXXX as they did a conference call only to be told its against OCWEN 's policy to have such a call and being recorded by XXXX XXXX for their records as well as mine. Investigating my options I have run into XXXX of complaints when dealing with these rude arrogant employees including Supervisors. They are trying to force a foreclosure by sending back checks for the monthly payment that was sent in. It is in my opinion and many others that OCWEN has NO intentions of dealing fairly with the public. I have every intention of getting caught up and trying to work with them with no results.
Company Response:
State: NE
Zip: 68901
Submitted Via: Web
Date Sent: 2015-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No