Date Received: 2015-03-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: OCWEN has sent a letter indicating that my hazard insurance coverage has expired and indicating that they plan to buy insurance for the property and they will charge me for it. I have had condo insurance in effect since I bought the unit in 2005 and the HOA has maintained it 's master policy insurance without a lapse. The mortgage was sold to OCWEN by XXXX and I had never provided insurance information to either party for the life of the loan, so there statement that their records indicate expiration of the policy are a falsehood.
Company Response:
State: CA
Zip: 92128
Submitted Via: Web
Date Sent: 2015-04-03
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: We were on a HAMP loan at 2 % and were current. Ocwen raised us to 3 %, I lost my job and the ability to drive XXXX and earn a living. We can not afford the 3 %. We need help. Please contact me with any questions.
Company Response:
State: VA
Zip: 222XX
Submitted Via: Web
Date Sent: 2015-03-31
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: I used my mortgage company 's website to set up an online payment as I usually do each month. The payment was set up to be paid on XXXX/XXXX/15. I received XXXX emails from Ocwen confirming I successfully set up my payment. They usually do n't take it out of my bank account on the day I request so when it did n't happen right away I did n't notice. When I reconciled my bank account last week I noticed it still had n't come out and got concerned. I logged into the website and it said I still owed my XXXX payment. I also noticed that their confirmation emails did n't arrive until after XXXX/XXXX/15, making it seem impossible for the payment to come out on time. Since it was the weekend I emailed my concerns but did not hear back. I called today and was treated very badly. The Ocwen representative assumed I was lying even when I asked him how to forward the XXXX Ocwen confirmation emails I had received earlier in XXXX. I had trouble understanding him but he finally said that no late charges had been added and did I want to make a payment. I said I would make the payment online so it cost less ( {$10.00} ). He said " so you 've waited 21 days to call and now you do n't want to pay ''. I am upset with his attitude and with the fact that I had to pay {$10.00} for an online payment I had set up on time. I do not trust them to now take the payment accurately and am worried they will take it twice. Ocwen 's communication has always been poor but we are trying very hard to stay current and they are treating us badly.
Company Response: Company chooses not to provide a public response
State: WA
Zip: 98012
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: On XXXX/XXXX/2015 I tried to schedule my XXXX 2015 loan payment for XXXX/XXXX/2015. The latest date the Ocwen Financial website would allow me to schedule it was XXXX/XXXX/2015. After scheduling the payment, I called Ocwen customer service and was told that their computer system would only allow payments to be scheduled a maximum of 15 days in advance, and that I could change the payment date to XXXX/XXXX/2015 after XXXX/XXXX/2015. When I tried, after XXXX/XXXX/2015, to reschedule the payment I could n't, so I called Ocwen customer service again. The customer service representative said he would have the payment date changed to the XXXX/XXXX/2015. He also instructed me to check the website on XXXX/XXXX/2015 to make sure that the change had been made, which I did, and the payment date had been changed to XXXX/XXXX/2015. By XXXX/XXXX/2015, the payment still had n't been debited from my checking account so I called Ocwen customer service and explained everything about the payment rescheduling. The customer service rep. named XXXX said that maybe the payment had n't processed because XXXX/XXXX/2015 was on a Sunday. He instructed me to wait until XXXX/XXXX/2015 and if the payment still had n't been debited from my checking account to call Ocwen again. I checked on XXXX/XXXX/2015 and the payment still had n't cleared my checking account so I called Ocwen customer service, but I could n't get through. I called everyday from XXXX/XXXX/2015 through XXXX/XXXX/2015, but kept getting rerouted in a telephone loop. I sent an e-mail to customer relations explaining that I could n't reach customer service by telephone. Finally, on XXXX/XXXX/2015 I got through to a customer service rep name XXXX who said they had received some information about telephone trouble. I was then given the telephone number to the Research Team because XXXX could see the payment on my account scheduled for XXXX/XXXX/2015, but it had n't processed He also gave me the confirmation number of my payment, XXXX. I called the Research Team and explained that I had sent an e-mail to customer relations because I could n't get through. I was told that they could n't see any payment, but they would research it. On XXXX/XXXX/2015, I called the Research Team again and spoke with XXXX who told me that they could n't see a XXXX time payment, but that my attempt to set up automatic payments had n't gone through. I explained that I had never tried to set up automatic reoccurring payments just a XXXX time payment for XXXX 2015. After asking to speak with a supervisor and being told by XXXX that she was capable of handling this situation, she agreed to have some additional research done. As soon as I finished my conversation with her, I called Ocwen customer service and spoke to XXXX. He told me that he could see the payment and that he would have his supervisor take care of it and that any late fees assessed would be reversed. Then I received a letter from the Research Team dated XXXX/XXXX/2015 stating that a payment date had not been selected when the XXXX time payment was scheduled and that they had no responsibility for customer inputs entered. They went in and changed the payment date not me. If there was an input error, it was committed by Ocwen, and that 's not my responsibility! I want my payment posted to my mortgage account, I want it posted as of XXXX/XXXX/2015, and I want any and all fees related to Ocwen 's not posting my payment reversed. I have done more than my due diligence in trying to resolve this matter. Now let Ocwen figure out how to process my XXXX XXXX, 2015 payment, in the meantime I wanted my payment posted!
Company Response:
State: CA
Zip: 90745
Submitted Via: Web
Date Sent: 2015-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-03-31
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: On or about XXXX XXXX, 2015, Ocwen stated, " At this time, Ocwen has received all information needed from you. Ocwen has requested the attorney complete a title search to confirm the title is clear in order for us to proceed with the DIL review. You will be notified of the decision once the requested information is received from the attorney. '' Since then, I have corresponded with a relationship manager ( in addition to calls from other representatives with contradictory status information resulting in more confusion ). I signed tax documents, closing documents, release documents. I was advised that after this last document was signed at the attorney office representing Ocwen, that the only thing that remains was XXXX FINAL title search to make sure that it was clear. The last document was signed on or about XXXX XXXX, 2015 ( initially submitted XXXX/XXXX/15 but attorneys claimed that I was missing XXXX document which is why I went to their office to sign any document they needed ). This accepted the completed signed documents. I was told that another title search would take XXXX days, at which point if clear, that would close the deed-in-lieu application. Each time I speak with an Ocwen representative, they ask me for time. It has not been over XXXX days and last week Thursday, I was told that the title search has not been done and that I now need to submit XXXX months bank statement. If I did not submit, then the application which I spent months providing documents would be denied. This is an astounding turn of events. I continue to get the runaround, persistent delay tactics, and calls from representatives other than the assigned relationship managers who provide me with wrong information about the status of my application and requesting information that I already provided. Today, I received a call saying that I will be contacted by a NEW relationship manager. And that my previous XXXX provided me with erroneous information pertaining to the final status of my application. I feel that I provided ALL information requested and that I should not be required to provide additional information. I also asked the representative with home spoke with today to return copies of all documents that I submitted to date because I am concerned that my private information is not properly secure -- especially since they can not confirm what I had submitted.
Company Response:
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2015-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-03-30
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been denied a Modification due to the Servicing Company 's admitted error and slow processing time.
Company Response:
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2015-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-03-30
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My mortgage loan is with Ocwen Loan Servicing. They are very confused and disorganized. I have tried on multiple occasions to resolve my delinquent payments caused by loss of income and ran into XXXX roadblock after another. I was told I was approved for a program and tried to make my payments, but Ocwen misplaced/lost/refused to accept them. To this day I am not sure what happened, and apparently neither are their employees. This is beyond frustrating. I feel like I am literally in a black hole trying to deal with them, I have sent in multiple payments that have been returned, completed the modification approval paperwork and submitted the payments a second time only to have them returned. I demand that things change, I demand that Ocwen start treating my case as a priority, I demand that this get straightened out. I bought this house brand new and at the building site they basically steered me to us the " in house lender '' so I could get the incentives. Well this company basically shoved me into a very predatory adjustable rate loan through XXXX XXXX with a payment that began adjusting literally every month. It went up over {$600.00} a month which definitely overextended me and put me in a bad position, but I had a plan that would increase my earnings and put me in a better position. I had worked as a XXXX for XXXX years and retired in 2010 and used my savings and profit sharing to go to school to get my XXXX. I had been promised by people in the business that I would make a lot more money going this route than staying with the status quo. I got XXXX and started working for a company as a XXXX. Unfortunately, this was not as advertised. I could not make much of a steady income. This just did not pan out, and my income dropped precipitously and I could not keep up with my mortgage payments. I began trying to work with your Ocwen towards a modification. This was a long and grueling process. My income was still low so I ended up going back to XXXX and started working as a XXXX. XXXX Bank. Finally I got approved for a modification with a new payment of {$1300.00}. I wanted to be sure to honor this agreement and took out a small loan against my pension with XXXX in order to have all of the funds available on time. I never received a statement or payment coupon indicating when the first payment was due. I simply received a letter from Ocwen the last week of XXXX regarding the first payment date of XXXX XXXX and I sent the payment out immediately. Ocwen did not cash the check. I received another letter stating that the next payment was due on XXXX XXXX so I mailed in that payment immediately, well in advance of the due date of XXXX XXXX. Ocwen did not cash this check either. A couple of weeks later I got a package that asked me to sign for the modification and stated that I needed to pay {$2600.00} in order to be get the modification reinstated. This is the amount that I had already paid to Ocwen, but my checks were sent back along with the paperwork so for some reason they were not cashed. I then sent the paperwork back along with payment but once again my checks were sent back. This is ridiculous. I have demonstrated that I wanted to accept the modification and sent in my payments, but due to the disorganization of Ocwen I am declined.
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2015-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received my mortgage payment coupon from Ocwen and its now {$150.00} more a month so I called Ocwen Financial and they said I am short on escrow since XX/XX/2013 so they added it to my payment starting this month. I was told by the previous lein holder XXXX that you can not have a shortage for more than 1 calendar year. My present taxes and Insurance have not hanged significantly so I do n't get it?? There is no increases in any of the taxes and homeowners Insurance an there has n't been so how can they justify this increase?? They told me if I dont pay the new amount they will start foreclosure against me. I only owe {$67000.00} on my mortgage with them and I think they are trying to steal my house because its worth a lot more. Back a few months ago I was struggling and asked Ocwen to send me hardship info and I think that 's what started this whole process working against me.. I have seen on consumer affairs page about a man having same issue with Ocwen so beware they might be trying to grab others houses too. XXXX XXXX XXXX XXXX FL
Company Response:
State: FL
Zip: 33428
Submitted Via: Web
Date Sent: 2015-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: For the last 8 years I 've been making bi weekly payments exceeding my monthly amount, and when i started i had paid ahead towards my mortgage. Approximately 3 years ago my mortgage was transferred to Ocwen. Early on I started noticing issues with the new servicer. I called and explained what I was doing ( I have had no luck talking to an XXXX call center ). They said that they did n't understand and that payments are due on a certain date, I explained I understood however my method I 'm paying ahead. They would n't accept that. They are holding/suspending my payments at their leisure not applying it to my loan and I 'm losing financially, as they are still applying interest at a rate that is not correct. I 'm getting threating letter that I 'm behind, it has called distrust with my wife if I 'm actually paying the bill, all while I 'm in fact trying to pay ahead on my loan and never has been an issue until the loan was transferred. I understand that loans can get transferred, however I have been paying my account faithfully ( ahead of time ) since I 've purchased my home. Now with the current creditor, i have contacted them many times, i even asked them to look into my situation, and they never responded through phone and only sent me some confusing information.
Company Response:
State: MN
Zip: 563XX
Submitted Via: Web
Date Sent: 2015-03-30
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: Yes
Date Received: 2015-03-30
Issue: Settlement process and costs
Subissue:
Consumer Complaint: In XXXX of XX/XX/2013 i went to XXXX bank XXXX to re-finance my home at XXXX XXXX XXXX XXXX XXXX. at the time my home loan was through XXXX XXXX XXXX. I was at at the time at water level but, still making my payments on time with an XXXX credit score .i secured the re-fi. From XXXX. That 's when all hell broke loose. XXXX XXXX XXXX tried everything in the book to railroad me. I filed a complaint with attorney General office XXXX XXXX, my senators office XXXX XXXX, XXXX. To no avail. They strung out the closing process until XXXX when i was in contact with the c.e.o 's of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. After 7 months of run the runaround she emails me and says she set up the closing with a XXXX XXXX. So l called my banker XXXX XXXX of XXXX to ask her if she was aware of the closing. She said she had n't heard from them. The next thing i know, XXXX XXXX XXXX claims to have sold the loan to ( ocwen servicing ). I called my land trust and talked to the attorney on staff since i had the home in a trust in my sons name. i inquired as to whom held the collateral? I believe they called it. and the attorney told me XXXX XXXX XXXX 's. so, we contacted the c.e.o of XXXX XXXX XXXX again to inquire what happened to our re-fi?. We spoke to " XXXX ". She said they sold the loan to ocwen. But, XXXX XXXX XXXX still held lein on trust and collateral!. So, we contacted ocwen only to be told by a " XXXX XXXX " that it takes 20 days to get in the system. So, 20 days later we contactact XXXX XXXX and say we have a XXXX dollar check for the re-fi. she says we dont own the loan we just service it. At that point i was hospitalized XXXX. I had enough and stopped paying my mortage. After 2 years i hired a attorney to handle this because it was killing me. End of the story i had XXXX dollars for them and they for what reason refused it. Now, my beautiful home of 10 yrs was stolen fron me by XXXX XXXX XXXX and their offshore XXXX company " ocwen '' Please tell me i have some recourse! My phone # XXXX XXXX XXXX. My name is XXXX XXXX you have my email.
Company Response:
State: IL
Zip: 60005
Submitted Via: Web
Date Sent: 2015-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No