Date Received: 2015-04-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have a mortgage loan with Ocwen. I experience some financial hardship and fell behind on my payments. During this time I was put on forbearance and subject to late fees and penalties. Example : I was charged {$1500.00} for XXXX sale deposit and this was unfair because it never went to XXXX sale because I paid the money. I was also charged a {$820.00} Motion to Relief fee which was unfair. Also, when I became current they charged BPO fees and certified mail fees. In XXXX they only applied payments made to interest and late fees none towards principal. I should not have been charged these fees because my loan was current during this time which was XXXX. I would like to receive an reconciliation statement of all my payments. Your assistance in this matter is greatly matter.
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2015-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We are currently trying to refinance our current mortgage to XXXX from Ocwen. We had a loan modification with Ocwen XXXX. We are not late with payments or in foreclosure. We started the process for refinance over XXXX weeks ago with Cash Call. Ocwen will NOT provide the pay off to XXXX. They have been harassing me, stating they need various " bogus '' things. XXXX requested the payoff, but they call and harass me! An example of their misdeeds ... I spoke with them XXXX XXXX at XXXX very upset because they had not sent the pay off to XXXX. The agent told me after she spoke to her " supervisor '' that they DID indeed have a copy of that appraisal and the pay off would be sent to XXXX XXXX within 3 days. Come to find out someone at Ocwen cancelled the request for pay off the evening of XXXX XXXX, because they " could n't reach me to get authorization for the pay off ''. I had just spoke with them the day before! They assigned me to XXXX XXXX XXXX XXXX XXXX XXXX X XXXX. They keep with these types of games. An appraisal was done within the past 6 weeks. They are trying to make me pay for another appraisal by THEIR company. I have sent color copies of the appraisal and XXXX has ALSO sent color copies of the appraisal. I have just received another call from an appraiser from Ocwen today. They are breaking the law by withholding the payoff to XXXX XXXX. We have a right to refinance. They have all the documentation they need and are still playing games and breaking the law. We want our pay off to XXXX XXXX ASAP and litigation brought to Ocwen for their continued misdeeds and breaking the law.
Company Response:
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2015-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-22
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: I believe my issues may fall under JUDICIAL MISCONDUCT, Federal District Ct, XXXX, XXXX. I can appreciate how convoluted this may sound My purpose is to learn if XXXX XXXX dept will even condisder a review of my situation. Assuming I can get an ear without wasting cfpb valuable time. I was awarded my claim for title of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX by XXXX XXXX, XXXX, XXXX late XXXX XXXX. Judge XXXX held a hearing at requet of AHMSI, XXXX XXXX, attorney for AHMSI. At this hearing Judge XXXX asked XXXX if she had any lawful " note '' to prove American Home Mortgages legal standing under TILA XXXX. XXXX answered " NO ''. With that admission Judge XXXX dismissed AHMSI. Iwas XXXX and was hen under instructions to draft his order funding in favor o ( m ). A week later I used that order to place lawful title in my name. From that point I commenced doing expensive improvements totaling some approx {$50000.00}. and commenced living in my home. Approx 1 year later I received notice to appear inXXXX Federal Dist Ct, Judge XXXX XXXX Presiding. In approx mid XXXX after I preparedly self for defense, XXXX. Not too long after I received Notice of Dismissal in favor of XXXX, OCWEN, AHMSI, Option One tat I XXXX XXXX XXXX was dismissed with prejudice, precluding me to be flushed down the Federal Ct toilet. Subsequent to that I was forcibly evicted about the same time I was in a life threatening XXXX and was hospitalized with XXXX. During my recovery I was forced to vacate. My life became an unholy terror ending up with me being forcd to leave XXXX to be assisted by my older brothe and finally settled in a mobile home in XXXX XXXX. I live now in near abject poverty having lost not just a valuable home bur the over $ 50k Judge gave to the criminal bank XXXX and the equally criminal OCWEN, and AHMSI. For me, well educated, it XXXX of justice spearheaded by Fed Judge XXXX XXXX. It smacks of a Federal Judge acting in collusion with several criminal ( aledged ) banks and absolute and total disregard of TILA XXXX which I followed to a T from way back in XXXX when AHMSI CEO XXXX ) e mailed XXXX promises to provide that which TILA requirers under law. AHMSI merely lied an d laughed at me failing al my XXXX ret Rec proof of delivery required by TILA. They commenced lying in writing mid year and refused to honor the CEOs promises to provide data. Like I said, quite convoluted but all tue and I have never found any counsel to assist me. Back then, before XXXX XXXX took hisCFBP position, all XXXX attorneys were gun-shy of all these fat kat mortgage servicers. I actually contact XXXX XXXX just before he left Ohio and was never able to reach him up ti l. In Advance I thank you for the look see that put this XXXX yrs old XXXX Vet on XXXX. I am reduced to begging for constructive help. Kind of given up all hope. XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2015-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen does not explain nor is consistent with additional ; l fees on mortgage account. They have no valid explanation as to why they cant submit the proper XXXX according to agreement in the XXXX modification.
Company Response:
State: CA
Zip: 92335
Submitted Via: Web
Date Sent: 2015-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Hello.I complained several times to cfpb about my mortgage lender XXXX ( loan servicer ocwen ) .they didnt approved us for HAMP modification of their own.XX/XX/XXXX up to XXXX XXXX ocwen took several HAMP Application from us, but never approved us for hamp.why ocwen is telling cfpb.mha, hamp solution they gave us hamp tier XXXX and we failed to pay, or didnt sent the agreement documents on time or pages were missing from agreement, etc. ocwen gave us previous lender ( Indymac Banks 's ) hamp modification which we refuse to accept, because it was not affordable payment.. .then ocwen put our home in sheriff sale XXXX/XXXX/XXXX and made us file bankruptcy .it ruined our credit. ocwen put our home in sheriff sale again on XXXX. they took another trail payment amount of {$2400.00} on XXXX/XXXX/XXXX for XXXX modification ( which has conditions in it ) .why ocwen is not giving us hamp.. please let us know what ocwen is trying to do to our home. ocwen is keep saying we rejected the hamp in the past and it was not from ocwen. since XXXX we are trying to get home affordable modification. both lenders were keep excusing to offer us home affordable payment modification program. both banks know they dont lose any thing, but we do. I put this matter in president obama 's attention twice.thanks..previous lender gave fraud loan on false income documents.this lender wants to sell my house.
Company Response:
State: IL
Zip: 60148
Submitted Via: Web
Date Sent: 2015-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen took over my loan from XXXX. It has been nothing but a nightmare since. Ocwen stated that I did not pay my property taxes, so I paid them the deficiency that I owed. After this this ( XX/XX/XXXX ) they have continued to add fees without explanation. The long story short is that each month Ocwen creates new fees out of nowhere. When I try to call to discuss and get an explanation for the fees, I get transferred to a specific guy in XXXX. He will not listen to anything that I have to say. He just repeats himself over and over again or continues to change his story. This has been going on since XX/XX/XXXX. Can you advise what I can do for help? Note : the customer service department had originally fixed everything. Then the research department ( out of XXXX ) reverted everything back the mess it started as. For several months I received several different statements montlly none of which matched. Upon more complaints, they stopped the correct versions of the statements. I finally stopped calling them after a year 's time and looking on line for help. Please help!
Company Response:
State: CA
Zip: 92025
Submitted Via: Web
Date Sent: 2015-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-22
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I am on a Trial Modification Program, which started with an XXXX letter stating that if I made my XXXX payments in a timely fashion I would receive a modification interest rate of 3.97000 % for XXXX years. The payments were made on time. However, the most recent loan modification letter from Ocwen states that there is a " beginning '' interest rate of 4.5000 %. That is inconsistent with what was XXXX promised and the verbiage " beginning '' leads me to believe that this is an adjustable rate. We requested they honor the original terms they proposed and they recently came back and said that was a misprint. We ask how is it that a financial institution finds it acceptable to send out a binding document, XXXX that we both have been following for the past XXXX months, and when it comes time to confirm the final agreement, renege on the originals terms proposed by saying it was A MISPRINT? We would like to request that Ocwen cease the unjust practices with us and follow through with the original terms.
Company Response:
State: FL
Zip: 32937
Submitted Via: Web
Date Sent: 2015-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen continues to deny our application for modification due to " Investor and Loan owner do not authorize modifications ''. No further detail as to why the investor and loan owner will not allow modifications.
Company Response:
State: MA
Zip: 02360
Submitted Via: Web
Date Sent: 2015-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Hello, my name is XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, CA. phone number XXXX. Approximately one year ago was was laid off from my place of employment. I immediately notified my Mortgage company, Ocwen Loan Servicing. LLC. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Fl XXXX, phone #. XXXX, Loan # XXXX. They told me I was eligible for a loan modification. They said they would help me by sending me the necessary documents. They did and I filled them out. I also asked for help with XXXX, ( XXXX ) at XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX. Ca. XXXX A very nice woman named XXXX XXXX was assigned to my case. Her phone number is XXXX ext. XXXX. She worked directly with Ocwen, they worked together to get the Loan Modification. They told her I would definitely get the Loan Modification. But unexpectedly, I was turned down. They said because I was on Social Security and did n't make enough money to be approved for the Loan Mod. My SS is $ XXXX/month and I also get $ XXXX/mo from another home I own that I rent out. Altogether I make a total of {$3100.00} per month. We told Ocwen this and they even said that was enough to get the Loan Modification. XXXX told Ocwen that they notified her that the money I made each month would be enough to get the Loan Mod. Also XXXX XXXX applied for XXXX, XXXX, for me. I was approved by XXXX for approx. {$25000.00} which would have more then paid what I owed Ocwen. But Since Ocwen did not approve me for the Loan Mod, I could not get the {$25000.00} from XXXX. Ocwen admitted to XXXX XXXX, that I should have gotten the Loan Mod and that it was THEIR ( Ocwen 's Error ) that prevented my getting the Loan Mod. Ocwen told XXXX XXXX they would apply again for me to get the Loan Mod. Therefore, XXXX XXXX also had to apply again to XXXX for the monies to pay off my loan. Both XXXX XXXX and I have been working with Ocwen for the past year. Ocwen told us that they definitely would not foreclose on me because of their error. But today XXXX XXXX, 2015, I got notice that Ocwen was starting Foreclosure proceedings against me. Ocwen has constantly lied to both XXXX XXXX and myself during the past year, making it very difficult for me to get the Loan Modification. I definitely need your help very much to right this wrong and to save my home from Foreclosure ...
Company Response:
State: CA
Zip: 92262
Submitted Via: Web
Date Sent: 2015-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: GMAC Mortgage did the exact same thing as you are fining XXXX for, willful disregard for the law while collecting payments through fraudulent intent and bad faith foreclosure negotiations.
Company Response:
State: HI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No