Date Received: 2015-04-01
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I 'm in the process of going through foreclosure and I did a search on the XXXX website for the Trust that is suing me in the instant action XXXX Bank XXXX, XXXX XXXX, as Trustee For XXXX Mortgage XXXX XXXX XXXX, Asset-Backed Pass-Through Certificate, XXXX XXXX XXXX XXXX XXXX, et. al., Case No. : XXXX, in the XXXX Court XXXX XXXX XXXX XXXX XXXX in and for XXXX XXXX, Florida. When I looked on the SEC website the trust did n't exist..
Company Response:
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2015-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: 1 ) My mortgage loan was with GMAC but now Ocwen take over of the loan last year. Since they are taking over, I been charge XXXX times and XXXX on the escrow acct just for the taxes. I call them so many times to resolve that issue and they response is " we are going to do a review '' but nothing happen. My taxes is only {$1000.00} for the years and they are collecting each month {$230.00} that is a total of {$2800.00}. When I call them XX/XX/XXXX to address the issue they told me any extra money left for XX/XX/XXXX they will return it to me but until now I did not received nothing. They did it for XX/XX/XXXX and now they are doing the same thing for XX/XX/XXXX. I am asking them what they are doing with the rest of the money that sitting on the acct but they can not give me an answer. Right now for the month of XX/XX/XXXX, I am already reach the amount for my taxes to be pay. I like to know at the end of the year, what they will again doing with the rest of {$1800.00} left. I told them that I am struggling with my other bills when money sitting on a account which I do not have no control over. I am really living on a budget because I only survive on my SSI money and a part time Job. I told them in that case I will pay my taxes but no answer from them. 2 ) Also my principal is {$85000.00} and my rate is XXXX and my monthly mortgage is {$900.00} a month. with that rate, I feel like my payment is too high.
Company Response:
State: FL
Zip: 34983
Submitted Via: Web
Date Sent: 2015-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-01
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Dear CFPB representative, I paid my mortgage on time as well as my own taxes and insurance without the need for an escrow account per my Mortgage and Note but wound up defending myself against foreclosure threatened by Ocwen Loan Servicing for a mistake that Ocwen made that was reflective of Ocwen 's inability to effectively and lawfully service my mortgage. All of the documentation is attached both from my end as well as Ocwen 's response to the apparent escrow fraud that was and still is occurring. In XXXX 2014, Ocwen accidentally paid approximately {$70000.00} to my county for my property taxes that had already been paid on time by me as evidenced by the attached, which was clearly a mistake and any Ocwen representative should have recognized that huge amount immediately charged against XXXX person 's mortgage account. Nonetheless, Ocwen DID NOT recognize it but rather opened an escrow account for my loan due to erroneous delinquent taxes ; Ocwen paid the taxes for every apartment in my building but only from my sole mortgage account. This seemed absurd so I called Ocwen to report the mistake, which Ocwen finally acknowledged in writing ( see attached ) but then repeated their erroneous actions over and over, again and again - believe it or not - until I had to hire outside assistance to help me rectify the issue because Ocwen was now threatening me with foreclosure. Really? How could Ocwen threaten foreclosure on me when all payments were paid on time and the mistakes made were all Ocwen 's by their own admission ... this was crazy! The assistance that I hired - and would like for Ocwen to reimburse me for since they refused to correct their mistake for 10 months and counting without the help - was able to get Ocwen to once again close the escrow account in the past 30 days but Ocwen still held out over {$200.00} in payments in an " escrow suspense '' account for no reason other than for fraudulent reasons since I do not and have never had an escrow account. I have spent almost a year trying to fix Ocwen 's mistake and I would like Ocwen to be held accountable for the unfair and abusive mortgage servicing practices ( threatening foreclosure for their mistake then not correcting it for almost a year ). Also, I would like to be reimbursed for all expenses and fees paid by me to correct Ocwen 's mistake to include the hired help and other associated fees since Ocwen makes me pay their fees for their fraudulent and erroneous actions ; in fact, I 'd like any and all fees associated with their mistakes for the past year to be reimbursed and reconciled in my favor. It is inexcusable that I would have to defend my home from Ocwen 's threat of foreclosure when I have remained XXXX in compliance with my Mortgage and Note ; their actions are fraudulent, unfair, abusive, violating and most of all egregious and abhorrent. Ocwen should be made to pay for the stress they have caused me too. Thank you in advance for your time and help with this matter and please see the attached that validates all of the aforementioned. Sincerely, XXXX XXXX
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2015-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-01
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Having participated in Credit Counseling XXXX XXXX, which I do NOT need, on or about XXXX XXXX, I submitted Ocwen Loan Servicing, LCC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX via certified mail my loan modification package. XXXX XXXX, I wrote Ocwen the reason for the delay of my loan modification to no avail. 1 ) Since Ocwen ignored, were stalling my loan modification, I wrote Ocwen a letter of my intention of a loan modification. 2 ) Contracted with XXXX - XXXX Home Loan, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX and completed said modification on or about XXXX XXXX. Note : The representative involved in the modification process informed that I did NOT have to or make any mortgage payments being the fact of the modification loan in process. 3 ) Representative later informed me that my modification loan was prepared by " XXXX XXXX XXXX '' which required me to correct the Cashier Check instead of XXXX. 4 ) Since the onset of the modification process, I received calls, letter of notices of Foreclosure, loosing my property if delinquent payments were not met etc. 5 XXXX Learning from XXXX XXXX Bank - XXXX OH, Ocwen disclosed derogatory information with numerous credit bureau 's resulting denial of my credit application. 6 XXXX As of this dated report, a " Partial Payment Agreement '' was not disclosed and do not know what it referenced to. 7 ) It is my contention that Ocwen Loan Servicing , LLC and the Debt Collection Division of Ocwen failed to communicate with me, the mortgage account holder. XXXX ) Combination of mortgage payment/ derogatory reports to the credit bureau 's, Ocwen Loan Servicing and the Debt Collection Division are not responding the issues I am concerned with, hereby requesting the assistance of the CFPB.
Company Response:
State: WA
Zip: 98203
Submitted Via: Web
Date Sent: 2015-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-01
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XXXX XXXX Bank is the holder of my mortgage. I requested a loan modification. Ocwen my servicer informed me that XXXX XXXX Bank refuses all loan modification requests. I would like to know why XXXX XXXX Bank refuses to allow loan modifications.
Company Response:
State: VA
Zip: 22655
Submitted Via: Web
Date Sent: 2015-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Fraud by my mortgage company - not complying with the Obama law about the mortgage and receiving false documents.I asked for copies of our taxes and received paperwork with my name with incorrect address. They have been increasing our escrow and I believe trying to cheat us all the time. When they gave us a loan mod there were stipulations which should not have been plus the principal was not reduced. We were under water and the house at the time was not worth what is owed, we have not moved and have had the same address for over 10 years. We never received documentation of them taking over our loan. We have asked them for original documents and they can not provide them. They always send some form of excuse. I am tired of every year they are always increasing our payment. They keep sending all these paper work with false documentation and no one is holding them accountable and I have had enough.
Company Response:
State: CO
Zip: 80129
Submitted Via: Web
Date Sent: 2015-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-03-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: OCWEN Loan Servicing took over my loan in XXXX 2013. They are claiming we are 2 months behind on our payments. I have documentation of XXXX cashed checks representing the XXXX months we have been serviced by OCWEN. They have not applied our payments correctly.
Company Response:
State: SC
Zip: 29466
Submitted Via: Web
Date Sent: 2015-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-31
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In 2003 I took out my mortgage with XXXX bank ( later XXXX ). The next year I filed Chapter XXXX bankruptcy and though I stipulated my desire to reaffirm the mortgage that is the call of the bankruptcy trustee who ultimately did not allow this. I continued making my payments throughout the process and after discharge wrote to XXXX requesting they start sending my monthly statements again, which they had stopped because of the automatic stay put in place as a result of the filing. They did resume sending those and for the next XXXX years I never missed a payment. And, they reported my payments to all the credit bureaus. Then my mortgage was sold to Ocwen and the nightmare began. Ocwen immediately sent a statement labeling it as informational only since I was under bankruptcy protection. Nevermind the fact that my BK had long since been discharged and even fallen off of the credit reports. I called repeatedly asking them to remove the language and to just send my statements as normal. They refused. And I have had issue after issue with them. But now they 're trying to sell my house and if they had had their way I would n't even have known about it. Unemployment has caused me to fall behind. Ocwen intends to sell my home on XXXX XXXX. I found out about this not from Ocwen, but from a solicitation from an attorney with a copy of the filing ... only XXXX days before the sale. My understanding is that they should 've presented me with a notice to cure default with a detailed listing of how much it would take to reinstate the loan along with XXXX days to do that or explore other options. I never received this notice or period of consideration. I still do not know how much it would cost to reinstate the loan because Ocwen has n't told me and still has n't despite me notifying my " relationship manager '' about the fact that I have never received any notice or information regarding the sale. Now, my relationship manager ( XXXX XXXX XXXX ) has no appointments available to speak with me until XXXX DAYS AFTER the scheduled foreclosure sale. So no XXXX day notice to cure the default and certainly no 21 day notice of the sale going forward. I reached out to the folks at Making Home Affordable. They wondered if I 'd ever been solicited for a HAMP modification. No, Ocwen admitted they had not solicited me for a HAMP modification. Well, could I send in my application ... the sale was scheduled for a week from today? The deadline to submit such applications is XXXX BUSINESS DAYS prior to the sale. So while I may submit the application they could not say whether or not it would be accpeted or acted upon since I failed to submit it by their deadline. You know, the XXXX they never told me about. And, no, they would n't consider a postponement and no there was n't anything the Ocwen representative could think of to help me. I then spoke to a HUD-counselor. I told her of the conference call and she cut to the XXXX and said, it sounds like the legal avenue is the best XXXX available to you. Yes indeed. And so what are my legal remedies in a non-judicial foreclosure state like Texas? What can be done to compel Ocwen to at least restart it and notify me properly? With {$5000.00} to hire a private attorney I can file an injunction claiming improper service and hope for the best regarding attorney 's fees. Precious few homeowners facing foreclosure have the cash required to litigate Ocwen into doing what they willfully are refusing to do and are refusing to do because they know they people they 're doing it to do n't have the resources to make them. So what if, on occasion, they have to fork over $ 5K in attorney 's fees. It 's a lot cheaper than giving individuals the opportunities the law affords them, to apply for HAMP, to consider how to cure the default, or even conduct an orderly sale of their home. So now, since nobody will make Ocwen do as it should. I 'm filing XXXX XXXX.
Company Response:
State: TX
Zip: 75224
Submitted Via: Web
Date Sent: 2015-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-31
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: agents from Ocwen keep calling asking for a XXXX XXXX and that person do n't live here and I do not know anyone with that name. I have asked this company to remove my phone number and explained to them that the person they are asking for does n't live here. the first call I requested to be removed was on XXXX/XXXX/2015. on XXXX/XXXX/2015 they called and we went through the process again on XXXX XXXX and again on XXXX/XXXX/2015. I called the company back on XXXX/XXXX/2015 and asked for a manager and gave that person the same information. Every time the call has ended with them letting me know my phone number has been removed and they were very sorry. They called again on XXXX/XXXX/2015 and we went through it all again this time I called back and was on the phone with them for over an hour being switched form person to person and the were confident my number was removed from there list. Well they just called again on XXXX/XXXX/2015 and I lost it this time. yelling at them to remove my number. Sorry but these people need to be stopped. there phone number is XXXX and company Name is Ocwen Debt Collection
Company Response:
State: NC
Zip: 27537
Submitted Via: Web
Date Sent: 2015-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am behind on my mortgage due XXXX/XXXX/15. Spoke with the mortgage company and was told that if I make a payment of {$1000.00} towards the {$1700.00} due that the amount will be " help in suspend '' and will not be applied towards the entire balance until the full payment is received in XXXX/XXXX/15. In this situation being told the amount willnot be applied towards my total balance owed will then incur further interest by holding this amount. I am not sure that this is legal and need help understanding if this is legal.
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2015-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No