Date Received: 2015-05-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen charged me XXXX for postage for sending a notice of default when I was not in default. The payments were made within the grace period. I sent them information to prove this and they have not responded.
Company Response:
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2015-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a home mortgage with ocwen loan services llc. I make my payments with no problems they are always on time and even early. they keep sending my payments back and not any reason with it. now i have received notice telling me i am 351 days past due and threatening to take my home away. i have all my checks that have been sent out. my husband is a XXXX XXXX veteran who has passed away. i maintain all payments for the estate of my husband. i have had help from other friends and been told this company is XXXX that is into stealing seniors homes by not taking their payments to force a foreclosure on the home. as a XXXX veterans wife i feel that i should be able to get help quickly before they force me out on to the street. i am XXXX yrs old and have several XXXX issues and can not keep going through this stress i am also contacting the governor of Florida for his support in this matter. please can you help me to save my home.
Company Response:
State: FL
Zip: 32114
Submitted Via: Web
Date Sent: 2015-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In a letter dated XXXX/XXXX/XXXX, OCWEN Loan Servicing 's Research Department acknowledged receipt of our RESPA Qualified Written Request ( QWR ) /Debt Dispute Letter and Cease & Desist Notice dated XXXX/XXXX/XXXX ( hereinafter, " QWR1 '' ), stating that OCWEN will provide a written response within 20 days from receipt of our QWR1 Letter. We have not received to date OCWEN 's response specifically addressing our dispute and request for validation of the mortgage debt purportedly owed to XXXX XXXX, XXXX, as trustee for a mortgage-backed securities trust ( MBS trust ) : XXXX XXXX XXXX XXXX, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX. Instead of responding and addressing the issues that we brought up in our XXXX letter with specificity, we received a letter from OCWEN dated XXXX/XXXX/XXXX stating that foreclosure activity has been initiated on our home property, and that a notice of mortgage default has been recorded! Thereafter, we received a copy of a Notice of Default ( " NOD '' ) executed by XXXX on XXXX/XXXX/XXXX and recorded with the county recorder 's office on XXXX/XXXX/XXXX. In view thereof, we sent on XXXX/XXXX/XXXX a follow-up QWR2 letter which reiterated again our dispute and request for debt validation. In said QWR2 letter we offered OCWEN a settlement compromise reiterating that despite of our current dispute about the alleged debt, we are willing to conditionally take OCWEN 's claim that they are authorized servicer in our mortgage loan without any further proof - provided OCWEN favorably consider and approve in good faith our request for a reasonable loan modification with a fixed interest rate, forbearance or forgiveness of arrears, if any, and appropriate principal loan reduction that would result to an affordable monthly payment given our financial hardship and current capacity to pay such mortgage. In our mind, this will prove that OCWEN is authorized by the unassigned, undocumented and UNKNOWN true note holder and present beneficiary in our mortgage loan to act as its servicer and agent in approving our loan modification application. We transmitted with the QWR2 letter a completed Request For Mortgage Assistance form together with all the supporting financial documents required. We further stressed our willingness to fully cooperate with OCWEN to get the chain of title in our home property in proper and legal order so we may be assured that when the loan is modified and eventually paid-off in full at maturity, OCWEN, on behalf of the real party in interest, can and will provide us clear title - that is, free and clear from any potential claim by another party, thereby eliminating our exposure to a double financial jeopardy situation. As it stands to date, there exists a broken chain of title in our home property because of the fact that shortly after loan closing in XX/XX/XXXX our original lender, XXXX XXXX, had irrevocably sold our mortgage loan, for full value received, in a verified securitization transaction. The multiple sale of our mortgage loan to a securitization sponsor/seller, then to a depositor, and ultimately to the MBS trust ( through its trustee ) without the required intervening assignments of deed of trust and complete chain of concurrent note endorsements resulted to an irreversible break in the chain of title of our home property securing the loan ( because no one can go back to the absolute XX/XX/XXXX " Closing Date '' of the REMIC MBS Trust ). See transmitted herewith is our QWR2 for ready reference. We received an acknowledgment letter dated XXXX/XXXX/XXXX from OCWEN that they will provide a complete response within 10 business days. However, we have yet to receive OCWEN 's full response to date. Meanwhile in a separate letter dated XXXX/XXXX/XXXX, which did not address our debt dispute at all, OCWEN proposed a trial loan modification which is unaffordable given our current financial hardship.
Company Response:
State: CA
Zip: 94080
Submitted Via: Web
Date Sent: 2015-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: 1. Been trying to get a history of all my payments, charges and any penalties since the start of my mortgage in 2003. Ocwen is showing I owe {$87000.00} on my loan. According to my calculations and the original amortization schedule I am showing I owe {$68000.00}. But they will only provide me 2 years of my past payments statements and none going back to my original start date in XXXX 2003. I have been asking for this for over a year and can not get my records. I have emailed them, wrote letters, and called Ocwen and nothing. I also called XXXX at ( XXXX ) XXXX and address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX who I believe is the trustee for the investors of the loan and they said they would contact Ocwen and still nothing. 2. ) I have been trying for over a year to get a modification through Ocwen and they just keep coming back with more repeat information needed and I keep on resubmitting it and nothing to this date.
Company Response:
State: WA
Zip: 98665
Submitted Via: Web
Date Sent: 2015-05-12
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We stopped making mortgage payments starting in XX/XX/XXXX after my wife lost her job. Due to income setback we requested a loan re-modification with OCWEN Mortgage. We started working with a real estate agent who assisted with the paperwork. Once OCWEN was satisfied with the documents they kept requesting, they set trial payments of {$1100.00} for 3 months then the payments would drop to {$1000.00} till XXXX. OCWEN called stating the 3.75 % interest rate will be changed to 3.875 % and the payments will now be {$1200.00} and they have no knowledge of the {$1000.00}. When asked who required the change the rep stated it was the V.A. I checked with the V.A. and they stated they have nothing to do with this and that they have not had a report from OCWEN since they took over the loan from XXXX XX/XX/XXXX. We do n't believe OCWEN should be able to change things after documents were signed and notorized.
Company Response:
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2015-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: In XXXX I have never had a late mortgage payment. My payment is P.I.T. there is no in loan insurance. My present loan servicing co. ( ocwen ) claims, since they took over the loan, ALL payments for XXXX+ months have been late.This never happened. For XXXX+ months they have been harassing me to pay thousands extra. Because THEY made several mistakes! The extra amount they claim is due changes up and down by thousands every month or XXXX. I have figured out that they seem to lose track of customers payments all the time and do n't have employees that can read their " payments received '' list. Maybe they do n't have a " Payments received list '', but they should have XXXX since they are in the business of receiving payments. ocwen has a reputation of doing this to thousands of citizens regularly. This usually ends in ocwen FORECLOSING on people 's homes! I have sent them transcripts from my bank 's bill payer system ( XXXX bank ) showing all payments exactly on time every month. The payments are " Wired in '' so they can not " lose '' any of them ( they " lose '' payments regularly ) and they still keep trying to collect thousands in erroneous fees. I need this to stop.
Company Response:
State: VA
Zip: 22180
Submitted Via: Web
Date Sent: 2015-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was de-escrowed in XXXX 2014. I chose to pay my taxes and insurance on my own due to previous problems with Ocwen. I paid my homeowners when it was due. Even though my escrow was closed and had a XXXX bal they paid it too. They show a negative balance in my escrow for the payment they made. The insurance company refunded them their payment and they have not credited it to my account to remove the negative balance. Faxed them the info several times they refuse to understand and have raised myinterest and principal payment to get their XXXX back and they already got it back from XXXX.
Company Response:
State: PA
Zip: 19040
Submitted Via: Web
Date Sent: 2015-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have a home that went into foreclosure in XX/XX/XXXX. I do not know this company that sue me or did any mortgage trans action in the past let me tell you this in the beginning. my mortgage company was Homecoming Financial in XX/XX/XXXX my rate adjusted in due to the economy lost my company that year. I try to modified the loan with Homecoming but right when I was modified the loan a Attorney from XXXX XXXX trustee gave me a notice to foreclose. I ask Homecoming about this Company they had no idea who this company was either. they submitted fraud paper work and mortgage note that only had Homecoming on the promissory note in XX/XX/XXXX of a complaint to foreclosing. While there foreclosing still on me Homecoming Finacial decided to transfer the loan to a different servicer and holder in XXXX of that year to GMAC AND RESDENTIAL CORPORATION BEING THE HOLDER.. now this time is getting more confuse to find out who to modified the loan. I also know that XXXX XXXX Trustee is a trustee for a investment group the one that was foreclosing was also using GMAC as a servicer. I got a Attorney started to answer the foreclosing and the Judge set a side the foreclosure I told him i was trying to modified the loan. XXXX my lawyer try to modified the loan with GMAC Servicer with residential corporation being the holder of the note. The Service would always come back to say send us paper work or we never received paper work. One time back in XXXX XXXX my lawyer told me to send a payment trail XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX payments was XXXX all these payments have been document. all together was XXXX dollars that was never recorded to any pay off mortgage records as of today. In XX/XX/XXXX XXXX Turstee filed again for foreclosure. My lawer summited to the courts a answer to the complaint and counter suit the claim too for false collection with out proper paperwork, adjustable rate adjusting before the time to adjust and transferr notice to XXXX XXXX Trustee from Residential Corporation with no notice from GMAC Servicer to transfer 30 days notice. there was also a robo signer to a affidavit that XXXX XXXX Trustee submitted to the courts in XX/XX/XXXX and XX/XX/XXXX was not crediable signer to the courts a XXXX XXXX you can see more info on him through the internet looking up his name that work with GMAC Service. My Attorney argue through out XX/XX/XXXX and the courts would never knowledge the evident. it took the courts 5 months to even rule on the foreclosure which was rule on in XXXX XXXX after all the arguments were in. the last document that was submitted from XXXX XXXX Trustee was XXXX XXXX in they came back with a endorse copy of a promissory note stamp to XXXX XXXX Trustee pay to the order from Residential Corporation. paper work this was never submitted to the courts when they first filed for foreclosure they were back filling ownership but we still havent verified if this is a true statement from GMAC XXXX OR XXXX BEING THE HOLDER. It was hard to reach them at the time and GMAC went bankrupt and turn there loans to Ocwen. the service GMAC and Ocwen service to this date has not recorded pay off number of the loan right, transferring notice sent in 30 days from Residential to XXXX XXXX Trustee by mortgage federal laws. All this was pointed out to the judge in XXXX County in XXXX, Indiana Courts. the judge still ruled for XXXX XXXX Trustee. I believe the judge here in my county has no time to look at my case in detail so he just rule on who has a promissory note with out looking at the details of this case closely. the loan number XXXX with ocwen loan servicing the loan now XXXX XXXX with my address being XXXX XXXX XXXX XXXX Indiana XXXX my number is XXXX please do look into the case in XXXX county XXXX XXXX Trustee vs XXXX XXXX its a long journey to get someone to understand how wrong this is and breaking Mortgage laws.
Company Response:
State: IN
Zip: 46033
Submitted Via: Web
Date Sent: 2015-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX/XXXX/XXXX at XXXX, I spoke with XXXX at Ocwen Servicing. We post dated a payment for XXXX/XXXX/XXXX in the amount of {$530.00} plus a {$19.00} fee. The confirmation # is XXXX. When I checked my bank balance this morning, XXXX/XXXX/XXXX ; both items have been subtracted from my checking account. At the cost of {$36.00} per item for overdraft fee, this is going to once again cost me several hundred dollars for the additional items I used my debit card over the weekend. The first time this happened in XXXX, XXXX, I swore I would not do it again. That is the reason my mortgage loan got in the shape it was in ( past due ). We set a repayment plan to help me get current. THIS IS MY HOME!! I want to keep it. Ocwen makes it hard for me to do that. I am going to the XXXX website at XXXX and request they somehow transfer my loan to another Servicing Company. I am tired of being afraid of losing my home.
Company Response:
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2015-05-12
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: No
Date Received: 2015-05-12
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I leased auto from GMAC back in XXXX for about XXXX year lease. I lost my job and was unable to continue making payments. GMAC took me to court and repossessed the vehicle. They are continuing to report this account after the passed XXXX year limitation. They seem to modify the date of this account to prolong this account as active. If you look at the account they have not updated this account until I made contact with them for status of this account. The are still operating under the name of GMAC when in actuality they are now XXXX Bank which is deceiving within itself as a corporation.
Company Response:
State: CA
Zip: 91403
Submitted Via: Web
Date Sent: 2015-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes