Date Received: 2015-04-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: OCWEN Loan Servicing , LLC, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXXXXXHas Month after Month POSTED Principal ONLY payments as XXXX monthly payments. Charged a late charge of XXXX when I have proof ( XXXX ) of timely payment. OCWEN REFUSES to POST payments AS PAID, Principal and interest. This is a on goingmonth after month problem.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Dear OCWEN : This letter serves as the formal notice of my intent to file a lawsuit against OCWEN. As a victim, we are seeking compensatory damages for time, expenditures and emotional damages associated with the injuries caused. We feel that it is in the best interest of OCWEN to settle without lawsuit, in which a lawsuit will bring national public exposure of the companies ' unfair business practices and make the company liable for the payment of additional costs ( lawyer fees, increased emotional distress, etc. ) that may result in a XXXX lawsuit. In the Memorandums of evidence attached, you will find a timeline reflecting the amount of time wasted in trying to communicate with OCWEN and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there is a breach in contract. This is due to the fact that neither OCWEN nor XXXX, XXXX XXXX XXXX ) honored the Loan Modification promised, although taking the payment for the loan modification account AND a judge approving a motion that the loan modification contract should be upheld ( also attached ). Many instances of fraud is substantiated as OCWEN wrote a letter ( deceitfully ) stating that the denial that was sent in XXXX was due to unsigned loan modification contract. Later, however, ( in a recorded conversation that we possess ) they state that they DID in fact, receive the loan modification contract, XXXX, and the denial was really due to the judge not issuing the court order in a timely manner, which is beyond my control. Additionally, since the automatic stay was still in process, we feel that a denial should not have taken place. We also believe that OCWEN willfully denied the modification ( after contact signature and taking payments ) and transferred the loan to XXXX XXXX XXXX XXXX XXXX within XXXX hours after the denial so that they would not have to face consequences. Furthermore more, willful negligence is purported on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as they failed to give a reason for the breach of contract until XXXX 2015, 150 days after they received the notification of transferal. Additionally, both OCWEN and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is refusing to uphold a judge 's ruling to honor the loan modification as well as refusing to honor the loan modification contract itself. Therefore, we are charging your company with the following acts : Unfair Business Practices : These XXXX banks are using the bankruptcy process to push homeowners intoforeclosure ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX formerly known as XXXX XXXX XXXX Performance of Deceptive business practices ( misleading me regarding true reason of loan denial ) Breach of Contract : refusal to adhere to judge 's ruling and refusal to acknowledge the loanmodification contract that was signed and sent back Intentional/Negligent infliction of emotional distress : intentionally and negligently withholdinginformation of the true reason of denial for 3+ months Predatory lending strategies : trying to force a new loan modification procedure/application while notupholding previous contract
Company Response:
State: FL
Zip: 344XX
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: Credit decision / Underwriting
Subissue:
Consumer Complaint: My XXXX mortgage was sold to OCWEN in XX/XX/XXXX. Since that time my escrow has been miscalculated requiring yearly catch up. Also, they transitioned to a new " web '' system and now I can not retrieve any payment info prior to XX/XX/XXXX which is affecting a refi with another bank. They are not responsive and have horrible outsourced XXXX based customer service.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2015-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have complained about OCWEN home mortgage in the past. I recently received a mortgage payment increase notice from OCWEN which increases the payment from {$1900.00} to {$2100.00}. The statement is dated XXXX/XXXX/XX/XX/2015. There is no explanation other than " Further detail regarding the reason for this change will be included in a separate letter. '' I have not ( as of today - XXXX XXXX, XX/XX/2015 received a separate letter. In addition, OCWEN has not stopped our PMI payments despite the fact that we have brought our mortgage principal down from {$180000.00} to {$140000.00}. The original value of the home was {$190000.00}.
Company Response:
State: NJ
Zip: 07840
Submitted Via: Web
Date Sent: 2015-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-19
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Case number : XXXX OCWEN FIN. In XXXX XXXX OCWEN was mail 3years statement XXXX TO XX/XX/XXXXshowing payments was wire to GMAC & OCWEN. Ocwen has said therewas no payments in two years. Ocwen charged me in XXXX XXXX $ 350.00for some type of Home secure, Which I have no ideal about. In Additions, XXXX Mortgage company in XXXX and XXXX said Ocwen has it setup that I can notrefinance. In Addition, XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX seems to may have change the Loan terms and Mislead, XXXX with OCwen, I have A gov.Loan, I had problem since buy my XXXX homein XXXX. In XXXX wanted to refinance and XXXX was un able because how OWCEN HAD THIS SETUP ON MY HOME. I ALSO CAN NOT GET EQUITY LOAN BECAUSE OF OCwen setup .My agent subject I get take OCWEN TO COURT or XXXX they redidterm loan. .reporting it falsely as an active loan Some how GMAC & XXXX charging me 17 % on Mortgage payment since XXXX. I refuse to pay this.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2015-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Once again, FOR THE NINTH CONSECUTIVE MONTH, the incompetents at Ocwen are screwing up my account. On XX/XX/XXXX, I sent my XXXX XXXX payment in the amount of {$1000.00}, Ocwen Tracking number XXXX. On the same date, I sent an additional principal payment of {$1100.00}, Ocwen tracking number XXXX. The MORONS at Ocwen credited both amounts to additional principal. As of today, they have noted on their web page for my account that the XXXX XXXX payment is past due and have added a late charge. Since XX/XX/XXXX they have failed to properly account for the funds I submit EACH AND EVERY MONTH, until I contact them and tell them how to do their job. This is gross negligence and incompetence. THERE IS NO OTHER RATIONAL, LEGITIMATE EXCUSE.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have my mortgage loan through OCWEN and for the last XXXX XXXX months I have had multiple phone conversations with multiple people and have not received adequate answers or been able to talk to anyone that can answer my questions. Just have been passed along to others and then back again. OCWEN has had multiple problems as of late and have lost their licenses in multiple states and the CEO stepped down last month amid all the problems.. I currently have a loan I have been paying on for 14 years and have been looking for answers on what options I have to buy out the mortgage for the current appraised value or more. I have modified and refinanced my mortgage and am at a really good interest rate and a short sale is not an option and ca n't get OCWEN to give me a straight up answer on the offer I made them a few weeks ago as a cash offer to buy it out and can not get any answers and keep saying I 'm not qualified but yet ca n't get a outline of what qualifies me to receive help in this matter. I have talked with a couple other people that have OCWEN and they have had similar problems and they have not gotten any answers till they threatened to contact the press then started getting assistance. Which is where I am currently at with the lack of customer service that has been given to my situation. And I am offering cold hard cash and still nothing.
Company Response:
State: FL
Zip: 34952
Submitted Via: Web
Date Sent: 2015-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Dear Sirs, I have been serviced by Ocwen since XX/XX/XXXX after XXXX sold my loan to them. I was in bankruptcy then as I lost my job the year before that ), but even then, I have paid my mortgage payment every month. Ocwen never sends me any statements except for when they informed me that they were servicing my loan. I paid my mortgage every month and have tried to call them several times to send me a statement or I place a communication with my check advising them to send me my statements to ensure that I am still paying the correct amount but still no answer. My bankruptcy finally ended XX/XX/XXXX and have advised them repeatedly over the phone that this is so but still no answer. It 's more than 15 months now that my bankruptcy is done and still no statements. I have been making payments online in the hopes that they will at least update their system but still nothing. I have been stressing on this for the longest time now and still find no relief. Please Sirs, I need your help on this. I am working a regular job XXXX, M-F and I call their office on a regular basis but it seems their company does not know what they are doing or ca n't explain the anomaly to me. Is their payment office is in Florida, there is no way I can speak to a person " in person ''. I am really desperate, I want to keep my house and just not stress out on this which should not really be a hard thing since I pay our mortgage on time or even few days earlier than the due date. Thank you and hoping to hear some relief your end. Sincerely, XXXX
Company Response:
State: CA
Zip: 91915
Submitted Via: Web
Date Sent: 2015-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-19
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I applied to OCWEN, the loan servicer for a modification of my loan. OCWEN responded to me that XXXX XXXX does not allow modifications. I searched online and found that XXXX XXXX participates in both the HAMP ( modification ) and HARP ( refinance ) programs. I believe that this is an unfair business practice.
Company Response:
State: SC
Zip: 29646
Submitted Via: Web
Date Sent: 2015-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen loan servicing , LLC bought my mortgage from indymac bank about 5/6 years ago. I had paid the months mortgage to indymac as the Ocwen letter was received mid month of the date of loan sold. My first mortgage, XXXX mortgage statement from Ocwen did not reflect the payment made to indymac. I called indymac first to find my payment, the number was directed to Ocwen. I have never been able to contact indymac since before my loan was sold. So I spoke with Ocwen and explained my payment went to indymac and why, I gave them my check number and bank proof payment was made. The response was " sometimes it takes a few. Months to receive, do n't worry about it ''. My XXXX statement still reflected XXXX payments due and late fees. I called again. This time no one could give me an answer. I fought Ocwen over this payment until I was hospitalized an went through XXXX XXXX..as I was able to regain my strength I started calling again, as I was trying to do a HARP OR HEMP on my loan. In XXXX the loan was sold, I had no longer knew where the receipts were as I was not in a position to track them as I had other people cleaning my home as I recovered..yet I had sent proof in the XXXX month.. Ocwen has never removed the fees or gave me credit for the payment I made. I can have the bank research the payment and will, at Ocwens expense at this point. Ocwen stopped reporting to the XXXX major credit agencies, I was actually able to have XXXX agencie contact Ocwen with me regarding the matter..Ocwen openly stated to the credit agency they only had been servicing my loan for 6 months XX/XX/XXXX. I had years of proof payments were made to Ocwen long long before, such as XX/XX/XXXX, and asked for aa supervisor ... the supervisor stood by the 6 month story even with proof I 'd made years of payments. ..I noticed that none of my payments had been reported for years, yet none were late. I did notice on my year end escrow statements, all my payments were made. I have now started to receive default papers after trying to refinance, but the loan processer was telling me Ocwen was refusing and holding up the HEMP, HARP, I do n't remember which. My escrow statements show payments made on time as I mentioned, now my homes value has almost doubled and Ocwen is blocking me from refinancing my home and keeping my credit score from the good points it should receive. I did receive a XXXX intrist form from indymac AND last years Ocwen XXXX had a different tax ID number on it. I did n't notice this until reading a fraud story regarding Ocwen. I 'm in an intrist only loan at 7.7 %, trying to get down to a 4.2. % 30 year fixed. I can have the bank research the payments and will if need be..but their straight up lying of such things as servicing my loan for 6 moths must end! They openly lied to me and a credit reporting agency.
Company Response:
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2015-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No