Date Received: 2015-05-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: CASE NUMBER XXXX STATUS??? WILLFULL FAILURE TO POST PAYMENTS AS MADE. PRINCIPAL ONLY, plus monthly interest & principal. WHEN DOES OCWEN LOAN SERVICING , LLC have to REPLY??? Your letter said XXXX ago? Thank you. XXXX XXXX
Company Response:
State: CA
Zip: 91006
Submitted Via: Web
Date Sent: 2015-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen Financial is in dishonor for not responding to qwr letters. they are sending us pre-foreclosure letters, they will be committing fraud upon the courts. I am seeking a Quiet Tittle Action. all foreclosure proceedings for lack of standing under numerous consumer violations
Company Response:
State: CA
Zip: 93907
Submitted Via: Web
Date Sent: 2015-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing withdrew XXXX payments of {$2000.00} and {$2500.00} from my bank account on XXXX/XXXX/2015. While I authorized the {$2000.00} payment, I did not make the {$2500.00} payment they pulled from my account. The last time I made such as payment was on XXXX/XXXX/2015. I am not behind in my payment so they applied the payment to XX/XX/XXXX payments. I called Ocwen on XXXX/XXXX/2015 to complain and have the money sent back. The lady I spoke to said I must have made the payment by mistake which I disagree. She However promised that the {$2500.00} will be wired back in for days. I waited for XXXX business days and when nothing happened I called again. This time I got a lady who explained that the accounting department was processing the check and they ca n't tell when I 'll have it even when pressed on the issue. Again 3 days to end of the month I had n't received the money. I sent emails as well on the issue and each week I have been getting a letter from Ocwen saying that my issue is being reviewed by the Research Department. On XXXX/XXXX/2015 I got tired and wrote to Ocwen telling them that this has taken too long and I want my money back with interest for the whole month. On XXXX/XXXX/2015 someone from the resarch department called me asking is they could apply the money to my next months payment. I could n't understand why anyone would withdraw someones money by a mistake, ignore all request to refund the money, keep it for a whole month, then have the guts to call and ask if they can keep the money. Out of my anger I told the gentleman that they did n't ask for my permission to take the money and keep it for that long so they do n't need my permission to do anything. Now I 'm trying this final approach before I take legal action. This is just one of the issue have had with this company since I refinanced my home last XX/XX/XXXX and they got loan. I have spend so much time on phone to correct simple errors on my insurance coverage from XX/XX/XXXX to XX/XX/XXXX and every time they used to tell me to email the documents yet no actions was taken. Now they are using my money as soft loan.
Company Response:
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2015-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen Loan Servicing : pass company name 's Option one, Homeward Residential, American Home Mortgage Servicing , Inc. ( AHMSI ). They stopped taking the mortgage payments because they forced placed insurance and I never had a previous laps in insurance I just changed companies. After they realized this, they dismissed the foreclosure and continued to not take any payments for over one year. They never had the correct Social Security number so I could not talk with any one. After this time period they proceeded with foreclosure a XXXX time Also I learned that the mortgage company did n't have a license, the documents from the mortgage company stated that the note was lost and destroyed. The mortgage company 's attorney asked for a 45 day extension and it was granted and they took a whole year before they came back with an answer and then they tried to go straight to trial There was a trial date set and they did n't contact me or my Lawyer so the date was changed by the judge They never had the correct Social Security number so it was always a problem to speak to them on the phone and this is from the beginning of the loan XXXX XXXX XXXX is a company that they always asked me to direct my mail to and the company was/is non-existent ... all mail was returned The service provider, company name " AHMSI, '' kept changing their name XXXX times because they had a class action law suite placed on them for forced placing insurance on their mortgage holders and then filing foreclosure on them. I have not done a modification today XXXX/XXXX/2015 I received a payment plan and I 'm still in foreclosure. We just got pass Ocwen lawyer trying to go to trial contact me or my Lawyer so the date was changed by the judge, now a payment. I just do n't understand how can this company get away with this.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-05-06
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In XX/XX/XXXX we applied for and after 9 months received a modification of our Flex rate mortgage with Indy Mac Bank. The interest rate for our modified mortgage was 2.625 % fixed for the first 4 years and would lock in at the going rate at that time. The going rate was still low after 4 years so our rate stayed at 2.625 %. For the XXXX year or so our modified mortgage was held by XXXX, after that Ocwen Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX now Ocwen informed us that they will be increasing our interest rate by XXXX point starting this XXXX and again each XXXX for the next 3 years. I contacted Ocwen and asked them for the proof in our mortgage documents that allows this XXXX point increase in our mortgage, but all they could provide was the documents from our original Indy Mac loan which includes an unsigned sheet we have never seen before. I than asked for an Amortization schedule showing this " required '' interest rate increase, but the Amortization Schedule they sent shows no increase in interest rate. In fact the Amortization Schedule they sent shows our interest rate remaining 2.625 % through the last payment in XX/XX/XXXX. Please make Ocwen follow our modification and keep our interest rate at 2.625 % till the end of our mortgage. A XXXX point increase could very well price us out of our home, and was never part of our modification agreement. Thank you. XXXX XXXX XXXX XXXX
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Due to circumstances and being unemployed I was unable to make my mortgage payments. I am now working and would like for Ocwen to reinstate my loan ... but I can not get any help..I am constantly transferred to XXXX, an XXXX hitting deadend at every step ..Ocwen have not been helpful .Please help me do not let XXXX take my home without negotiating in good faith.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage company, Ocwen Loan Servicing, has continually charged me late fees for payments that were made on time. I have sent documentation to Ocwen from my bank confirming that my payments actually cleared my bank before the past due date, but they ignore my attempts to receive a credit. I have been trying to resolve this issue for several months. I have written to Ocwen multiple times and they continue to do the same thing.
Company Response:
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2015-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I notified Ocwen that my property taxes and my insurance had both been changed ( lowered ). They were provided with the necessary documentation from both the new insurance company, which they have already paid and the formation from XXXX that my property taxes were lowered. They are refusing to update my information and sending me new escrow estimation so that my payments reflect the changes. The county sent them notification of my tax decrease in XXXX yet in XXXX they sent me an estimate of escrow with the old information. I have spoken with both their escrow and insurance departments and they both agree they have received the updated information. I have contacted them every week since I recieved their escrow estimate in XXXX and am being told that they will correct the problem in XXXX business days but today is XXXX XXXX and it has n't been corrected yet. I keep getting phone calls from them asking if I have received a refund from my old insurance company and to send them the refund. I was also charged a {$100.00} fee for something they say my old mortgage company charged however, I have called the old lender and they say they have no record of a {$100.00} fee. I am XXXX years old and live on a small fixed income. I feel that they are trying to take advantage due to my age. I ca n't afford to give them monies that are not due them and would appreciate your help in getting this matter resolved in a timely manner!
Company Response:
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2015-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing has forcefully kept open an escrow account that is voluntary by the mortgage note. I have repeatedly sent QWR 's ( as per RESPA ) to get it closed. They ignore me. They now have raised my escrow payment by doubling the property taxes by claiming there is a " Special District Tax '' that is equal to my property taxes. There is no such " Special District Tax ''. I have requested a copy of my mortgage note and they fail to provide me the note in it 's entirety. Prior to Ocwen, the account was serviced by GMAC Mortgage who improperly charged fees to the account and then went out of business before the issue was resolved. In addition, Ocwen quit sending me monthly statements claiming I made a request for them not to send me statements. I did no such thing.
Company Response:
State: IA
Zip: 50317
Submitted Via: Web
Date Sent: 2015-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing , LLC, who I have written to and phone refuses to send me a receipt showing that my XXXX 2015 Mortgage Payment and Escrow Shortage have beenpaid in full. I paid both of these in " Advance '' XXXX XXXX. They still till me that my next payment will be higher in XXXX. I asked them adjust the payment to reflect and they have not done so. My first contact was on XXXX XXXX 2015, at which time the Agent # XXXX said they needed to collect a higher payment. I have cooperated and done everything they asked of me. I requested a Loan Analysis which I received. They refuse to send me a receipt saying it is not possible to do so. I did not receive notice that I had a Mortgage Shortage until they raised my payment. Also they sent me a Escrow Shortage Coupon after the payment had been sent. Even though they gave me a verbal, not a written that they received the payments, they still require me to send in a coupon. I sent today and once again asked them in writing on their coupon to make the requested adjustments.
Company Response:
State: CA
Zip: 95762
Submitted Via: Web
Date Sent: 2015-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No