Date Received: 2015-04-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: 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 XXXX years now However, Ocwen is saying they have not received payments from me and are threatening foreclosure. 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.
Company Response:
State: GA
Zip: 31405
Submitted Via: Web
Date Sent: 2015-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was divorced in XXXX of XXXX. My ex-spouse was responsible for a mortgage and equity line of credit according to the divorce decree. I was a co-signer on the loans. She defaulted on the payments in XXXX and XXXX. I hired a lawyer and got her to bring the accounts current. I also contacted the mortgage company to let them know that they had not contacted me and that I could have avoided the derogatory credit report had I been notified because the home was being rented and I could have made arrangements to get the monies from the renters and paid the mortgage company directly. I recently applied for credit and was notified that the same situation occurred again at the end of XXXX. My ex-spouse said that it is because she filed for Chapter XXXX bankruptcy. See OCWEN in the attached credit report. Again, I was not given notification that the account was in arrears. If I was notified, again, I would have just contacted the renters and had them pay me and I would have paid the mortgage company. This whole issue is convoluted because the loans have been sold from GMAC, Homecomings, XXXX and then to OCWEN for collection. The mortgage company had at least my phone number and email address. Also, they could have asked for my mailing address, if they did not have it, from me or my ex-spouse. What this boils down to is that I was not notified that the account was in arrears by the mortgage company or my ex-spouse. It seems unfair that this should show up on my credit report and now I am denied credit from all banks I apply to. I borrowed {$7000.00} last year to get the student loans current when the Student Loan company, XXXX, contacted me. This should be proof that I would have done what it took to keep things straight.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2015-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been consistently been dealing with Ocwen Mortgage Company with the very problems you cited them on in the lawsuit. ( 1 ) Claim that I signed a 5 year agreement to be off of my fixed mortgage rate to 5.6 % or higher so the letter says. I did not sign anything. Why would I want to change from my 4.2 % fixed rate of 13 years. ( 2 ) After much investigation, they were charging me for phone payments I never made. ( 3 ) The phone charge was taken out of my mortgage payments which it does not say on their phone payment service. ( 4 ) This resulted in not fulfilling my mortgage payment plan because they said the full payment was not made. They charged me with additional fees. With the help of XXXX consultant all of my information was verified because they handle my mortgage payments. It was also found that they were trying to get money out of an account that was not mine. They refused to change to correct the information in their system until the bank let them know they too would file charges of fraud. Because of this, they made me send my payments via XXXX. but, it was signed for as recieved but put on my account as late because it took XXXX days to work thru their system with the incorrect information. This company is terrible. How are they still allowed to get away with the things they have been cicted on. Something on a federal level needs to done. I should not have to fight this battle alone. The only person that agreed to help me straighten out this mess was XXXX XXXXXXXXXXXX. She has alot of my his tory and results of this mess, but her company is at it again with another act of fraud. I did not sign a 5 yr. plan. I need your assistance.
Company Response:
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2015-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I need a review of the mortgage for fraud they do n't want to give a mortgage they have been asking for the same paperwork over and over again, they want foreclosure, I want to get a modification
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2015-04-14
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-08
Issue: Settlement process and costs
Subissue:
Consumer Complaint: In XXXX I purchased a property IN FULL, IN CASH from XXXX XXXX. According to the XXXX XXXX in MA, XXXX XXXX could not legally sell me the property, because they had not yet correctly completed the Foreclosure process. I was issued a Cert of Title declaring the property free and clear, but as it turns out it was not. I have lost tons of money, and my family is suffering greatly over this matter. WF lies and denies involvement in the matter on paper. I possess a written declaration from XXXX XXXX from the WF Ex Office declaring that WF has never, nor do they now have any stake in this property. ( Please see attached " Answer of MERS & Wells '' doc provided to prove this is a lie ). I need help in recovering my losses over this property. Can someone PLEASE HELP ME and my FAMILY! PLEASE! " All of this arises out of the MA Land Court 's spring XXXX decision in XXXX. The decision was affirmed by the Supreme Judicial Court in XXXX. The effect of the decisions was that foreclosures had not been done properly. The initial foreclosure in this case was done around the time of the Land Court 's decision in XXXX. The lender realized that it had a problem and then attempted to remedy the problem by re-foreclosing. When they re-foreclosed they did not do so in the name of the grantee on the initial foreclosure deed. The following explanation makes it defective. The mortgage was assigned on XXXX/XXXX/XXXX - the date that the assignment was executed. The first publication was on XXXX/XXXX/XXXX. Therefore the foreclosure was defective and the mortgage passed to XXXX XXXX, as Trustee under Pooling and Servicing Agreement dated as of XXXX XXXX, XXXX Securitized Asset Backed Receivables XXXX XXXX XXXX Mortgage Pass Through Certificates Series XXXX. The subsequent foreclosure was conducted by XXXX XXXX as Trustee instead of by XXXX XXXX, as Trustee under Pooling and Servicing Agreement dated as of XXXX XXXX, XXXX XXXX XXXX XXXX Mortgage Pass Through Certificates Series XXXX. '' - XXXX XXXX, XXXX XXXX, XXXX, Title Insurance Lawyer representing XXXX XXXX XXXX.
Company Response:
State: CA
Zip: 92124
Submitted Via: Web
Date Sent: 2015-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We became current with Our mortgage in XXXX 2014 till present Ocwen who currently has the loan is reporting to credit bureau 's that We are behind. Ocwen has been receiving monthly payments keeping some and returning some to keep the mortgage in a delinquent status previous complaint was file and We did n't respond because We did n't receive correspondence to dispute that there has been no resolution to matter and just found out about a case number this morning which isXXXXXXXX from speaking with a representative, We request a new complaint to be filed with supporting documents previously submitted from complaint filed from above mentioned case number.
Company Response:
State: MD
Zip: 21801
Submitted Via: Web
Date Sent: 2015-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have made prepayments on my mortgage to arrive at 78 % LTV before originally indicated on original amortization schedule. I assumed this meant automatic cancellation of PMI, but apparently not. ( Does " XXXX scheduled '' mean " originally scheduled? '' )
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: The pass XXXX years we have been dealing with the Lies we have been getting from Ocwen Loan Servicing, we Know are Bill of rights have been continually been violated! we have been sent a Loan Modifcation documents in the mail, and given instructions how to proceed with them .Then when we have filled out and faxed these loan doccuments as requested, Then when you are working whith them! Then Foreclosuer Action happen! So we never got a notice just at the the time we wher calling Ocwen tell us about sale date ,XX/XX/2015if you can please Help us? Thank you in advance, XXXX and XXXX XXXX XXXX, XXXXTo : Ocwen Loan ServicingFrom : XXXX and XXXX XXXXRe : Modification Loan Documents* * * * * * * * * * * * *Dear Sir or Madam : The attached documents are being sent via regular and certified mail to insure receipt of these vital documents. We feel our legal rights have continually been violated. We have been sent Loan Modification documents in the mail, and given instructions how to proceed with them. Then when we have filled out and faxed these loan documents as requested, and they are strangely not received. Then, while you are working with us to procure our modification, foreclosure action is being taken against us at the same time while in the middle of this loan modification process. This is highly unfair in reference to real estate law bill of rights. Please be assured that we would like to be given the opportunity to continue in the Modification process. We feel we can be successful in fulfilling a new loan contract. Please review our documents and allow XXXX days to complete without the threat of losing our home, according to the Stimulus Program that President Obama brought forward to save our home. Please give us your consideration, and we look forward to hearing from you as soon as possible since this is now time sensitive. Thank you in advance, XXXX and XXXX XXXXOriginal Sent Via CERTIFIED MAIL
Company Response:
State: CA
Zip: 94566
Submitted Via: Web
Date Sent: 2015-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am having a problem with Ocwen Mortgage Company of which my loan is managed. I applied for the ability to pay my own escrow per their instructions officially sent to me in the mail. I was denied. The XXXX points in their requirements to allow me to do this was:1. You have been current on your mortgage payments for the past 12 months. 2. Your loan does not have a negative escrow balance or any other outstanding delinquencies. 3. You do not have a tax or insurance payment due in the next 45 days. 4. You do not have a force placed insurance policy. 5. Your loan has not been modified within the last 12 months to include escrow. They also said that additional exclusions may apply, but Ocwen only knows those exclusions. After meeting all these requirements, Ocwen told me I had to have a loan ratio of less than 75 % of my loan remaining to qualify for escrow payments on my own. In other words I still owe more than 90.52 % of the outstanding balance on my loan and I can not be allowed to pay my own escrow. Another problem I have is Ocwen adjusts my escrow upwards every year even though I have an escrow balance at the start of 2015 of over {$1000.00}. Is this legal? Can they just nickel and dime me every year just for XXXX even though I live in a small town outside of XXXX XXXX, Kentucky. The city, XXXX XXXX, KY is not that big a city to have the taxes and homeowner 's insurance adjusted every year.
Company Response:
State: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2015-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: RE : Ocwen Loan Servicing ( As Sub-Servicer ), XXXX XXXX XXXX ( As XXXX XXXX ), XXXX XXXX ( As Trustee ), XXXX Mortgage Servicing ( previous Sub-Servicer ) I read with hope and interest about your recent multi-billion dollar settlements with the above named companies for their criminal and fraudulent actions involving foreclosures. My interest is personal, as I have been struggling for about XXXX years to settle a foreclosure action. When I learned of the settlements, my hope was that the fines and business practice requirements you imposed would encourage these companies to follow not only the spirit, but the letter of their settlement agreements. Unfortunately, my experience is that they have not changed their practices. Therefore, I would like to lodge a formal complaint as they continue to pursue foreclosure and duplicitous modification programs based upon:1. False Assignments that are void as an operation of law2. Refusal to verify their " standing '' to bring foreclosure3. Refusal to assign XXXX point of contact, either an attorney or an investor representative and/or a sub-servicer representative, for settlement conferences with either the State Court Judge or NY Supreme Court Judge. In fact, in XXXX mandatory meetings with the State Court Judge, XXXX different attorneys appeared, and in XXXX settlement meetings with the Supreme Court Judge XXXX different attorneys have appeared and XXXX different Ocwen employees have appeared. 4. Ocwen employees refused to identify themselves with a business card for future follow-up during these meetings. 5. Refusal to produce discovery items as demanded by our motions and a State Court Judge and a NY Supreme Court Judge6. Failure to comply with a NY Supreme Court Justice 's demands for evidence of standing by either producing the blue ink note or the trust documents that lists my property as party of the above stated trust7. Failure to acknowledge that the publicly available Trust Documents filed with the SEC do not list my loan characteristics under the section " Assumed Loan Characteristics '' 8. They have generated " offers '' of settlement and then withdrew them9. XXXX asked in writing for me to agree that GMAC is the " Lender '' as part of a settlement offer10. Declaring in writing to me that " no assignments were made of the loan '', while filing with the XXXX County Clerk an " assignment '' signed by notorious robo-signer, XXXX XXXX11. Declaring in writing that XXXX XXXX currently " holds an interest in the loan '' XXXX. Declaring in writing that XXXX, XXXX XXXX XXXX ( a law firm ) have been substituted as Trustee13. Insisting in our settlement conferences with a NY Supreme Court Justice that our " default '' interest rate is 8.25 % despite the terms set out in my note and while sending statements stating my interest rate is 2.625 % 14. Claiming during settlement conferences that the " lender '' or " investor '' would not allow certain modifications, and then refusing to name the party ( ies ) to whom they are referring15. Asking us to pay " out of pocket '' expenses/fees/finesa. before any settlement or agreement is achieved, b. while claiming the right to collect on a Note for which they have not shown standing andc. to Ocwen for " out of pocket '' expenses/fees/fines of the previous sub-servicers ( XXXX ), while refusing to substantiate these expenses or prove that they have not been reimbursedd. that include thousands of dollars in legal and 'default fees ', title searches, broker price opinions, 'property inspections ', and 'late charges ' to the 'account balance '. Please see the attached letter describing my complaint
Company Response:
State: NY
Zip: 10031
Submitted Via: Web
Date Sent: 2015-04-07
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No