Date Received: 2015-04-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: For many years I wrote government regulators and CFPB regarding my mortgage with Ocwen Loan. I provided proof that letters where back dated and documents were included in my loan packets that I did not agree to or did not sign. In an article I recently read it was indeed discovered my regulators that this was the case and consumers were defrauded. Including myself. I complained that a my XXXX mortgage was discharged in bankruptcy and creatively added to the back of my XXXX mortgage. In addition, Ocwen still wants me to pay. I feel Ocwen has no claim to my residence due to defrauding me, pain the have caused. The balance is incorrect and I want the documents and records updated to XXXX mortgage only. There is no XXXX. It was modified with the previous company Litton Loan and also Ocwen. I want compensation for the fraud, aggravation Ocwen put me through.
Company Response:
State: GA
Zip: 30252
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 servicing, payments, escrow account
Subissue:
Consumer Complaint: In an attempt to pay off my loan with Ocwen, I sent XXXX large payments to the institution on XXXX XXXX that would have decreased my loan amount to within a couple of hundred dollars ( you can not send XXXX payment that exceeds 80 % of the loan balance so I broke the payments up into XXXX XXXX. I scheduled the payments for the same day because I did not want any interest to accrue. After a few days, I noticed where the XXXX payments were withdrawn from my bank but that my Ocwen balance had not changed to reflect my XXXX payments. I called Ocwen on XXXX XXXX to ask about the payment. The Ocwen rep explained that because the XXXX payments were scheduled for the same day, that it exceeded the 80 % max limit. I asked Ocwen to return my XXXX payments. The rep said it would take XXXX business days. I called Ocwen back on XXXX XXXX when my funds had not been returned to my bank account. I gave them my account number and routing number to my bank, information that I am sure they already had since my monthly mortgage payments are debited from my account. They asked me to wait a couple more days. I called Ocwen back on XXXX XXXX. The rep asked me to be patient and assured me that the funds would be returned by XXXX XXXX. There were no funds returned to my account on XXXX XXXX. I called Ocwen again. I was asked to wait 40+ minutes on hold while the Ocwen rep put me in touch with an escalation specialist ( ES ). The ES told me that my funds would be reurned within XXXX hours and that he had put it in as a priority because I had called so often. There were no funds on XXXX XXXX. I called Ocwen again to see if there was a problem. There was. After speaking to a rep and another ES, I was told that my funds could not be returned to me! The ES said that he did not see my funds! He claimed to put me in touch with someone who XXXX be able to address my concerns. So that 's where I am now, on hold waiting to speak to yet another person! This is a significant amount of money and I fear that Ocwen is trying to get away with keeping my XXXX payments!
Company Response:
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2015-04-21
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was advised by my loan servicing company, Ocwen, that my homeowner 's insurance had expired. This is inaccurate, and they decided to " sign me up '' for their in-house insurance. They have now added an additional $ 120 monthly fee to my mortgage. I have tried to call, fax, email them several times. I have been unable to reach them to clear up this issue.
Company Response:
State: NY
Zip: 136XX
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 servicing, payments, escrow account
Subissue:
Consumer Complaint: My husband and I experience a short financial difficulty recently and are in the process of taking a hardship withdrawal from our XXXX. We have been in constant communication with Ocwen Financial Corporation during this short term period and requested a reinstatement letter from Ocwen mortgage XXXX. My husband and I are reinstating the loan in 10 days and want to reinforce that out short financial difficulty is not the motivation for this complaint. On XXXX XXXX I requested the reinstatement quote be sent to the email I have on file with them. On XXXX XXXX I saw that they emailed the quote to my XXXX partners email that myself and our XXXX also have access to and is primarily used for our XXXX to contact us. I quickly forwarded this email to my correct email address and erased it. It was too late, my XXXX partner had already opened the email and contacted me through txt message about it ( I can provide the records if needed ). I then contacted Ocwen and they admitted to incorrectly entering the email address and sending it to the wrong email address. By their error of omitting the XXXX portion of the email address, it was not only sent to the wrong email but was sent to the email address of my business partner and employees. The email address that it was incorrectly sent to was never given to them or authorized for them to use. I confirmed their admission that it was their error and they had not entered the email information correctly. By failing to enter my XXXX name at the beginning of the email address it resulted by matching my XXXX partner 's email address. I XXXX with a partner and was in the middle of a business deal which was very fragile in nature. By sending this email they have compromised this business deal and put the future of my XXXX in jeopardy. By sending this confidential information about my mortgage and my financial position to my XXXX partner and employees, it has not only has impacted me emotionally but has damaged my position in the company and the ruined my buyout and reorganization of the company. It has financially impact me substantially and ultimately it could cost me my XXXX and my livelihood.
Company Response:
State: MA
Zip: 015XX
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 servicing, payments, escrow account
Subissue:
Consumer Complaint: I Have a mortgage with OCWEN Financial Corp and my property taxes is included in the payement. I also pay an extra {$20.00} per month to be safe. Every year I receive a bill that my escrow account for taxes is short and I have to send an additional {$270.00} ( more or less ) to make up the arrears. My mortgage payment also goes up despite have a fixed rate. How can that be. I have contacted them numerous times for the accounting and have gotten no help. Last year I misread the statement because the mortgage changes so much and paid my mortgage the normal amount and did n't catch that it had increased by {$200.00}. I paid on time and they cashed the check. OCWEN still reported me to the credit bureau 30 days late.
Company Response:
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2015-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan serving was transferred to OCWEN Home Mortgage effective XXXX/XXXX/XX/XX/2014. From this date OCWEN has not paid my property taxes from escrow on time. I have spent hours on the phone with them to ensure that my property tax is paid. Taxes have been due XXXX times since they took the loan servicing and each time they have been late and/or required significant effort on my part to pay the bill correctly. It appears that they do not know how to : transfer the funds to the correct place, track the funds, ensure the funds were received, or readily provide me with proof that the tax payments have occured on a specific date for a specific bill ( such as with an account transfer record number ). They also keep asking me to confirm my property 's Lot and Suffix number.
Company Response:
State: DC
Zip: 20011
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 servicing, payments, escrow account
Subissue:
Consumer Complaint: My lender is Ocwen Loan Servicing , LLC . In late XXXX 2015 I mailed a Qualified Written Request. In that QWR I asked XXXX specifc questions. I received a letter dated XXXX XXXX, 2015 from Ocwen ; neither of my questions were answered. On XXXX XXXX, 2015 I mailed another QWR via cerified mail. Then on XXXX XXXX, 2015 I XXXX again mailed another letter to Ocwen stating that they are in violation of RESPA, and warning them that I intended to file a complaint with the CFPB if the matter was n't resolved quickly.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: RE : Ocwen Loan Servicing, LLCLoan : No. : XXXXDear Sir : I need assistance with my mortgage company Ocwen Loan Servicing. I am a XXXX XXXX XXXX veteran and a resident of Georgia. I have been paying my mortgage by automatic bank draft ( XXXX XXXX XXXX XXXX ) for over six years now However, Ocwen is saying they have not received payments from me and are threatening foreclosure. XXXX had previously serviced this loan. I have attached a copy of my payment history which shows that I have been making payments. Also I am unable to file my taxes because they have not listed the correct amount of interest I paid on my loan. I have included the loan number for your information. I am a XXXX XXXX veteran who XXXX ( XXXX ) times to protect the rights of all and now my rights have been violated.
Company Response:
State: GA
Zip: 31405
Submitted Via: Web
Date Sent: 2015-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: SUMMARY : Adjust my mortgage payment to {$1000.00} - {$1000.00} by the following means : re-evaluating my escrow, removing my PMI and waiving the {$25.00} reverse fee. DETAILS : Ocwen 's motto is " Helping Homeowners '', I am living proof Ocwen is NOT helping homeowners. This is one of many formal complaints I have made about Ocwen/GMAC over the past 4 years. I have asked for loan modifications, fee reversals, re-evaluations and have been denied for everything multiple times. It is beyond frustrating dealing with Ocwen. After a 2 year battle, I am surprised they FINALLY accepted money from Keep Your Home CA, so that I could keep my home. My mortgage payment is {$1000.00}. I struggle with the payments, however I have consistently paid. Now my principle balance is less than 78 % of the original balance. I am eagerly expecting my payments to decrease by {$52.00} because I submitted a request to have the private mortgage insurance ( PMI ) removed over 3 weeks ago. I have not heard the verdict on that and it is almost time to pay the mortgage again for another month. In the interim of waiting for a response on my PMI, I happened to see on the Ocwen website I was charged a {$25.00} fund reversal fee and my new payment will now be {$1100.00} to cover escrow. I had a history of making incremental payments of $ 30- {$40.00} toward my principle on the GMAC website. It still links to Ocwen 's site for making valid payments on the home. I like the GMAC site because I can modify payments, cancel payments, make incremental payments of MY choice etc. This is something you can not do on Ocwen 's website. I have had my XXXX account for 15 years and the same account is what I use to make my house payments. I am told my payment was reversed because they were unable to locate my account. Ocwen must have a system glitch because before Ocwen officially merged the GMAC customer accounts to their database, the account was ALWAYS located and used to make payments toward my principle. Somehow my account information keeps getting wiped off the GMAC website, and now it appears I will NEVER be able to make incremental payments toward my principle ever again. This is garbage about my account not being able to be located. I explained to Ocwen and they still maintain the {$25.00} will NOT be waived. I am INSISTING the fee be waived. The money was in the account and still is. The account is locatable. It is not my fault. I also INSIST the monthly PMI is removed from my account. I received a letter via email in response to my escrow complaint : 'Total escrow shortage-based on the expected balance deficiency of {$0.00} and the minimum required balance/cushion of {$500.00}, an additional {$570.00} is needed for the escrow balance. ' EXCUSE ME BUT THERE IS NO PROJECTION FOR AN ESCROW SHORTAGE ON MY ACCOUNT! You also clearly state in the letter 'federal law ALLOWS additional funds to be held to prevent the escrow account from being overdrawn. ' ALLOW means it is permitted. ALLOW does NOT mean required or mandatory!! Federal law does NOT permit, require or mandate OCWEN to practice predatory lending on my account. Ocwen is illegally raising my mortgage payment for no apparent reason. CLEARLY there is NOT an escrow shortage on my account or are there any projected shortages ; therefore there is NO need to prevent the escrow account from being overdrawn. The taxes are the only item paid from my escrow. At this point Ocwen has placed me in an unjustified HARDSHIP and has made my home again UNAFFORDABLE and again, in danger of foreclosure/delinquency. If I do n't keep my home for the specified time frame under Keep Your Home CA, I will be made to pay back over {$80000.00} to the state. Obviously I do not have that type of money. Ocwen is CLEARLY ILLEGALLY performing this action! I do NOT approve of this adjustment and I want this and everything else I mentioned previously corrected IMMEDIATELY!!!
Company Response:
State: CA
Zip: 92571
Submitted Via: Web
Date Sent: 2015-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen is telling Homeowners the wrong fax number to submit the RMA, both verbally and on the packet. Loss Mit number found on HAMP site differs. Fax number given verbally and on documents ; XXXX
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2015-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No