Date Received: 2015-05-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Litton loan filed XXXX for closures with false documents, charged me fees that were subject to HUD section 8 violations, failed to apply payments in a timely manor, and charged fees for late payments, in spite of receiving certified bank checks, sent registered mail, and mis applied payments, falseified my credit history and payment history, filed fraudulent legal documents that were later to found forged
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2015-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have an interest only loan held by XXXX, after many servicers the loan ended up with Ocwen servicing. For years there was no escrow set up so I paid the real estate taxes directly. Its a condo so there was no insurance escrow. In XXXX 2014, I made a partial payment of the taxes. Ocwen, then paid the remainder and then notified me that my payment now must include XXXX months of an escrow payment. The escrow payment they demanded each month would total {$10000.00} per year. However, the taxes were only {$600000.00} per year. Thereafter, I continued to make the tax payments. However, the bank continued to allege that I owed these prior escrow payments. I wrote numerous letters to try and resolve the matter. However, they continued to return my payments, and now put the loan in default and are filling foreclosure. Their reinstatement figure includes escrows which are not due. They call numerous times and each time the new caller has no information regarding the last explanation. My credit has not been irreparably harmed.
Company Response:
State: NJ
Zip: 07960
Submitted Via: Web
Date Sent: 2015-05-07
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: OCWEN MORTGAE & lt ; OCWEN LOAN SERVICING is BLATANTLY and illegally still doing EVERYTHING that caused the XXXX XXXX lawsuit ( XXXX XXXX 2013 ). They are n't even a MEMBER of the better XXXX ( which in XXXX XXXX XXXX, XXXX they have an " F '' rating ). they have OVER XXXX XXXX XXXX XXXX complaints just there! The internets " RIPOFF REPORT '' has over XXXX XXXX XXXX XXXX complaints. That 's just XXXX of XXXX of different sites that people can complain on, not counting multiplying that number by at least XXXX because of people that HAVE complaints but just did n't report them.HOW ARE THEY STILL IN BUSINESS??? And look up all of the current and pending lawsuits against them. Homeowners are setting up their own webpages to get enough people for another " from what I 'm experiencing right now '' unavoidable hopefully BIGGER class action lawsuit.I have been XXXX for years and no XXXX. They entered me into a loan modification " trial period ''. They blatantly and without ANY regards to the law, any REGARDS towards ruining the lives of the homeowners, ANY regards to the stipulations in the ( XXXX, 2013 ) CLASS ACTION suit, intentionally setting up homeowners to lose their loans. I KNOW. I was n't even behind on my payments. They put me on a " trial '' modification that lowered my payments from XXXX to XXXX. They told me that they would n't lower the interest rate ( 5.875 % ) but would extend the loan to 40 years ( which makes them even MORE money ). You are set up with a " relationship manager '' that you NEVER talk to, always a different person. They are " DUAL CONTRACTING '', where the phone calls ( of course by phone ) are all telling you how good you 're doing and you 're making all your payments on time but you 're getting harassing and threatening LETTERS ( OF COUSE, AGAIN ) WHICH EACH MONTH GET PROGRESSSIVELY MORE INTIMIDATING AND THREATENING. And the PHONE calls I kept expressing my concern why they ( just through the MAIL, what a coincidence ) kept sending, each time more threatening and harassing notices about how far my loan was becoming delinquent. The person on the phone would always say " Oh, do n't worry, you 're doing great! You 're making all of your payments on time. I record phone calls, they ALL NEED TO BE ARRESTED and WHEN ARE THEY GOING TO START SENDING THESE PEOPLE TO PRISON??? AND AGAIN & XXXX HOW ARE THEY STILL EVEN IN BUSINESS???? I 've been in my home 30 years. I live with my XXXX. Because of my XXXX even if I WANTED to I could n't move, XXXX. And I am NOT LEAVING MY HOUSE ALIVE. Especially when I did EXACTLY what I needed to and the modification should have already been approved. They started my trial Ibelieve XXXX XXXX ( maybe XXXX XXXX ). ON XXXX XXXX, on one of my calls, they brought to my attention my federal tax lien, which I 've had for years and have n't been able to pay off yet ( AND WHICH THEY! 00 % KNEW ABOUT BEFORE PUTTING ME ON THE TRIAL MODIFICATION ). They gave me a month to get it taken care of, KNOWING that an XXXX takes at LEAST 3 months. Now, after paying XXXX a month instead of XXXX, they 're saying I owe them OVER XXXX $!!!! ALL of this was INTENTIONALLY done so they could foreclose on my home. How can these people sleep at night? And again,. how can they even be in business???
Company Response:
State: TX
Zip: 75020
Submitted Via: Web
Date Sent: 2015-05-07
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: No
Date Received: 2015-05-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My Mortgage lender, OCWEN, has escalated my monthly mortgage/ESCROW payment from {$2.00}, XXXX to {$2700.00} ( a {$300.00} a month or {$3600.00} per year increase ). In addition, OCWEN has charged my bank account, XXXX, the increased amount without my authorization. ( Please note : Nothing has changed with my loan..I have been paying the same amount for XXXX months until OCWEN drastically increased my monthly payment ). I have called OCWEN repeatedly ( each time is an average of a 1-hour wait time ). Each time the representative indicated they could not provide an explanation over the phone ... they will need to do " research '' and they will call me back within XXXX time!. In XXXX, I finally got a hold of an OCWEN rep who indicated that " OCWEN has the right to increase my ESCROW payment if they felt it was too low '' without authorization from me. I did not agree with this explanation and indicated that I will not pay any extra amount until I get a satisfactory explanation. As of XXXX XXXX, OCWEN automatically charged my account the extra {$300.00}! There was no statement or anything that indicated they were going to charge my account this amount and certainly no written explanation. I spent another 2 hours on XXXX XXXX with an OCWEN " escalation representative '' who also could not provide an explanation over the phone. She attempted to indicate that it was my insurance that increased -- this is completely incorrect. She also said she would call in XXXX hours and I still have not heard from her. In addition, I called my back XXXX to indicate that my account was illegally charged by OCWEN and will be filing a formal complaint with XXXX as well. OCWEN is known to be corrupt and has several lawsuits against it. I did not choose this mortgage company, my loan was sold to this company -- certainly not a choice I would ever make on my own. I feel I should not be forced to do business with a corrupt company who is " KNOWN '' to implement illegal and unethical practices. I am writing to request assistance in stopping OCWEN from getting away without arbitrarily exacting unexplainable monthly increases and then charging my bank account for this charge.
Company Response:
State: NJ
Zip: 08055
Submitted Via: Web
Date Sent: 2015-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I submitted a request for a modification review on XXXX/XXXX/2015. At the time there was a foreclosure sale date set for XXXX/XXXX/2015. I was told that I was in review and they were waiting on a retirement benefit award letter. I was able to provide this to them on XXXX/XXXX/2015. My attorney 's office contact the foreclosure attorney and they advised them that they were going to postpone the sale simply because there was complication with the publication of the sale because of a tax lean, so they reset the sale to XXXX/XXXX/2015. My authorized third party was advised that I was in review and no documents were being requested as on XXXX/XXXX/2015. My attorney 's office contacted the foreclosure attorneys office again on XXXX/XXXX/2015 and they were notified that Ocwen advised them on XXXX to proceed with the sale. No written notification that I was not in review anymore was ever sent out and no reason for denial was ever stated other than impending sale date, when the review started XXXX/XXXX/2015. Please help!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2015-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen submitted XXXX information misrepresenting the date of the " forgiveness '' as being XX/XX/XXXX when, in fact, the date was XX/XX/XXXX. The date is significant when filing state tax, as the state of CA does not allow the omission of the forgiveness as " income '' after XX/XX/XXXX. Furthermore, Ocwen sent a corrected XXXX but it did not reflect any changes in the incorrect date. The CA XXXX XXXX XXXX is under the erroneous assumption that the $ XXXX forgiveness occurred in XX/XX/XXXX due to Ocwen 's misrepresentation.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My home mortgage was with Ocwen and I refinanced in XXXX of this year. The payoff was as per the payoff quote provided from Ocwen ( copy attached ), prior to expiration ( XXXX/XXXX/15 ), and included 5 days per diem. As of XXXX/XXXX/15, my escrow account had a remaining surplus of {$620.00} ( copy attached ). After several phone requests, Ocwen reimbursed me only {$230.00}. Every time I spoke to someone at Ocwen to get the remaining balance of {$390.00} I have received a different reason as to why they do n't have to refund it. I then mailed them a demand letter ( copy attached ), and they responded with stating that " {$250.00} was utilized to satisfy the additional expense after payoff and {$130.00} was disbursed towards the Federal Housing Administration ( FHA ) insurance. '' ( copy attached ). The payoff amount was as per the amount they provided, and was made on the final day the quote was valid through and included 5 days per diem on top of that, so there are no additional expenses. The PMI insurance was paid from my escrow account with each monthly payment and was never in arrears, so there should not have been any additional payments required.
Company Response:
State: AZ
Zip: 85704
Submitted Via: Web
Date Sent: 2015-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen has been falsely reporting on my credit report for years. They say I am delinquent. One month it showed I was current and the very next month they reported I was FOUR MONTHS BEHIND! How would that even be possible. They have held strong with reporting I am two months behind ever month. I have made extra payments and it goes to some mysterious escrow cushion. If I call to complain all the customer service people say is, " How would you like to pay to get your account current '', WHAT?!
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2015-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Over four years ago I was laid off from my job. I contacted my mortgage company, who first told me to apply for a HARP program, and that I could hold off on my mortgage payment until I got an answer, as the mortgage amount would be rolled into my new mortgage. I did not do this, I paid my mortgage on time. I was then told I did not qualify for HARP, but that they had some internal refinance programs I might be eligible for, had me go through the entire application process again ( twice, they " lost '' my first application ), and I was again told I could skip my mortgage payment while a determination was made. I did not skip the mortgage payment, and I was not given a company refinance plan either. I attended one of those mortgage conferences ( XXXX ) where lenders from all the different mortgage companies are there, and was told by a representative from Ocwen that the lender was not going to modify my mortgage and give me a lower interest rate. This was because with the amount of equity I had built up in the property it was more financially advantageous for them to wait and foreclose, even if it took a year! Finally, the mortgage company allowed me to pay an abated amount for three months while I searched for a job. I made these payments in full every month on time. At the end of the three months they sent me a bill for almost {$4000.00}, with a letter stating if I did not pay foreclosure proceedings would be instituted! In addition, they put a 30-60-90 day late note on my credit reports. I borrowed from family to save my home, and have paid my mortgage payments since. They did " modify '' my mortgage after that, from 6.625 % to 6.2 %, for 30 months, which has since expired as well. However, both the late payment marks, and the " modified '' mortgage note shows up on my credit report. I have repeatedly requested these be removed, by calling the lender directly and by requesting through the credit bureaus, and have been denied since they are " within their legal rights '' to keep these on my credit report. I went back to school and got a degree in accounting. I am afraid this type of black mark on my credit report might affect my ability to get a job in this field as they now run credit checks. It has been three years since these " late '' payments which to my way of thinking were not late to begin with, why will they not remove them? I was not told at the time that they would be treated this way on my credit report either. My original mortgage was not through Ocwen, I was sold twice before I made my first mortgage payment to the original, and then an intermediate mortgage broker, finally ending up with them. It was not because of bad credit, or because of missed mortgage payments, but simply rolled into a block of mortgages bought by this company. They have been a nightmare ever since, with poor communication, " lost '' paperwork, inability to manage escrow accounts, etc. Please help me, this severely impacts a credit report that would otherwise be quite good.
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2015-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: The assignment on my mortgage is fraudulent. Ocwen knows about it and will not address the issue in a timely manner.
Company Response:
State: KS
Zip: 678XX
Submitted Via: Web
Date Sent: 2015-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No