Date Received: 2021-04-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Dear Department of The CFBP OMBUDSMAN, Attention Director XXXX XXXX, I am sending this correspondence and would like to fill a complaint against your department as well as the crooked fraudulent mortgage company who is trying to steal my home. It is XX/XX/XXXX and your department for the millionth time, once again with inclosing documents NOW, this CROOKED DISHONEST built FRAUDULENT machine is now put me in DEFAULT. You know what that means right? My family and I are going be homeless in a little over 30 days. A HOME I have been in for 17 years. They are trying to steal my home once again, and all your department does is watch it happened even after I wrote, presented numerous times my evidence such as documents and recorded conversations that can clearly prove what I am saying is true. I have been filling complainants to your department since XXXX about OCWEN In which you sued OCWEN LOAN SERVICING for XXXX XXXX dollars, and as a homeowner, I was never offered or actually even given XXXX single XXXX from what this miserable piece of XXXX company has done to me and my family that your department sued on behalf of homeowners and all the money went to the government and then in return, the company sticks to the homeowner to get their money back from the same piece of XXXX CEO of which was XXXX XXXX XXXX now is OCWEN and Supposedly now PHH MORTGAGE who uses the same fraudulent practices but with just a different name who is trying to illegally STEAL my home For the 2nd time while your department THE CFPB sits back and watch it happen when you know that you SUED OCWEN. They were found guilty under court order for the exact XXXX XXXX thing they're doing to me and my family and I can't believe you allow this to happen. Every department, every agency, everyone tells me that this is the department, that THE CFPB can help me : You can't do XXXX and you won't do XXXX. Doesn't anybody IN YOUR department have a backbone? Any kind of SELF-WORTH? Does anybody in The department give a XXXX if a family IS thrown out on the streets, homeless? YOU let them, OCWEN steal everything away from them, what they work so hard for, for YEARS I put money in my HOME all to have this fraudulent, greedy built machine come and steal it? ANYTIME they want. Change a contract putting it what we were intended it to say Years later, Try to add an extra {$100000.00} into my mortgage 3 years after I sighed a modification with the same piece of XXXX company that made the deal, agreed to it, and have the audacity to come back 3 years later and add an extra {$100000.00} to my mortgage and you think that's OK? You govern XXXX. ADD other XXXX fees and you allow that to happen! When someone I, who signed a contract that I clearly showed this lazy XXXX department they broke it with the intent to defraud me, mislead me, lie to me, to cheat me, DID NOT disclose to me the full terms of everything that was included in my fraudulent modification that I signed back XXXX, In which I paid {$54000.00} into THROUGH A GOVERNMENT PROGRAM ; HAMP and have recorded conversations that I have with permission speaking to OCWEN 'S OMBUDSMAN department a lady by name of XXXX XXXX ADMITTING on the recording that they did not do the proper research to inform me of any other monies that they said I would OWE 3 years later. The true facts, full disclosure it was all hidden from me for Ocwen to use and to come back at a later time to do exactly what their doing now. I have proof that I was never given full disclosure which I thought was illegal. Just listen to Recordings if you give a XXXX. Admitting that they made a mistake what else do you need? This is negligent on their part and they should be responsible for all the XXXX, all the things they put me and my family through, and also compensate my family for the 11 years of torment the XXXX that I put up with this XXXX piece of XXXX company. I actually presented, shown documents with recorded conversations that confirms everything that I am saying to you and you still can't and won't do XXXX. Doesn't this department understand this is my home? That I just can't get another one when they ruined every bit of my chance of having some kind of real or decent life? I just wanted to have a mortgage that I promised to pay that I could afford, that I basically agreed to work hard for and pay, that's all I wanted. But I still got a fraudulent, greedy company who wants to take my money illegally and if I don't pay it they threatened to foreclose on my property losing everything that I put into it. This is unbelievable and every single XXXX of you that works for the CFPB should be ashamed of yourself you are XXXX XXXX worthless. I have Been defending my home from this fraudulent company since XXXX and all the government agencies sit back, refer me to CFPB and you don't do XXXX. NOW You The department CFPB let OCWEN KNOW it's open season BABY take, steal, anybody 's home they want and we won't do a XXXX XXXX thing! This is unbelievable, unacceptable and yes I want this to be published, printed shown, given to the public to show there is no defense against a fraudulent mortgage company that I might add choose ME, you don't get a choice. You don't get to pick your mortgage company that has a background, a track record of not stealing homes as a business practice. How in the XXXX can OCWEN LOAN SERVICING with XXXX complaints worldwide In 49 States been sued numerous hundreds of times even by government agencies your self the CFPB the department of the currency and for the exact XXXX thing they doing to me and my family, have an F RATING with the XXXX XXXX XXXX WHO can even be allowed to have, to hold, to Collect, be responsible and even purchase my mortgage. THIS IS MY OPINION, this department and all the other GOVERNMENT AGENCIES ARE a joke, you should all go home, you should return all the money back to the government for being paid for doing XXXX because nobody in your department, every agency, every government, department, everyone I speak to tells me that you are the XXXX that could help homeowners against mortgage fraud. Which I have clearly shown you everything that I state is true with facts, presented documents with recorded conversations That I recorded with permission that I am going to send again that is confirming that my modification in XXXX I was 'confirmed my mortgage is now current ' by the same piece of a XXXX company and come back 3 years later and try to add extort an extra {$100000.00} to the agreement that I made in XXXX is unbelievable that you just allow that to happen. I provided proof of everything that I just stated, confirming what they told me, what they promised me, what they said to me and I sighed a new modification back in XX/XX/XXXX. All this piece of XXXX company did was issue me a new loan number and that new loan number I had to believe all of the correspondents that were presented to me and told me all with the new lone number I no longer had 2 separate loan numbers, this is how easy it is for this crooked piece of XXXX company to steal my house issued a new loan number And I sighed a new contract what I believe was a binding contract in XXXX which turns out to be worth a piece of XXXX. WORTHLESS. And the laws that govern contracts there are no rules, regulations that a fraudulent mortgage company like this one can break at anytime they want. Even in my opinion the CROOKED COURTS, the judges who rule, the paid attorneys are paid by these billion-dollar fraudulent mortgage companies for OCWEN like XXXX 's to perform, lie, cheat, and actually go against all the rules, regulations that they swarmed by Under oath all for that almighty dollar. The billion-dollar company pays them with no ounce of human decency, it's just about the money you perform you get paid no matter who you hurt and what they do. It's actually disgusting to me that this is why half of America is homeless because of fraudulent piece of XXXX companies that are allowed to put in fees and costs expenses, break contracts, demand payment, and if you don't pay it they threaten to foreclose on your property, hire their XXXX Attorney that lie, ignore. suppress evidence, everything that they have sworn by. In my opinion, they are as crooked and as fraudulent as the companies that hire them. THE ATTORNEY 'S in my opinion are like whores, they get paid to perform, process the papers to steal your home and all the courts do is allow it to happen and CFPB that is supposed to govern, regulate, ENFORCE don't do XXXX. IN MY opinion, this is why half of America 's is HOMELESS living on the streets cause of greedy bastards that have no Human decency for any human decency it's about GETTING rich no matter whose life we, hurt ruin, it doesn't matter how many. And the government that is supposed to PROTECT homeowners just let it happen. What evidence do you need agaisnt a fraudulent mortgage company that gets rich by stealing homes, you want them to be honest, admit their wrongdoing, If that's what you need your the XXXX? Your enforcement is a freaking joke. I only pray that someday XXXX returns the favor, I'm gon na pray hard because Karma is a XXXX! I am just telling you now, I'm living proof of all of it. This is has consumed my life has hurt my family to the core, but I guess you don't give a XXXX which is why half of America is homeless to this day because of fraudulent mortgage companies and departments from the government that is supposed to stop it, oversee it, in force laws doesn't do XXXX, I'm living proof. When you have to spend all your money defending your home all just to have the judges completely throw out and rule against the homeowner in favor of the fraudulent mortgage company that are known to be fortunate with a victim of fraud, have a track record of fraud, gives the fraudulent piece of XXXX company the right to sue the homeowner for all their fees and attorney cost for just trying to defend their home. Someone's on the payroll in my opinion. Your Department CFPB just sends the correspondence to the crooked fraudulent mortgage company and if they don't wish to respond your department just closes the complaint : it's a joke! Your department is a joke. You should tell people when they buy a house that they could be defrauded out of it anytime, their mortgage company wants, and their ain't A XXXX XXXX thing you or anybody can do about it. In my opinion, your a bunch of XXXX XXXX. This department, the government agency is just gon na let them STEAL my HOME. Let me tell you something ; when you take everything away from a man and try to hurt his family he's got nothing to lose. Who knows someday they might make a movie about me. You know the old saying, '' you get more bees with honey. '' But honey doesn't work when you dealing with XXXX!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90603
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PHH Mortgage Div. Ocwen services my loan. I did fall behind in XXXX and in XXXX they opted to put two loan payments at the end of the loan which was great. My biggest issues with this servicer is all the additional fees that they add on to their servicing. When ever I have had a late payment I have always added the late fee which is around {$50.00}. I checked today an an interest payment that I sent via check in XX/XX/XXXX for {$540.00} was not put towards interest it was held in suspense for a while then it was put to offset their " Other '' category. Today I submitted my XXXX payment and added an escrow account shortage of {$84.00} per their statement on XXXX XXXX which made my total payment of {$1600.00}. Not a problem. I have been able to reduce the " other '' category to {$96.00} from over {$500.00}. I had called to ask for explanation but after being disconnected, dropped in my previous 3 calls because my account is assigned to a specialist I have been not been able to talk to the person so asked to speak to a Supervisor. Its going on 23 minutes of being on hold and not getting anyone to pick up the line. Unfortunately, I don't have all day to wait for a Supervisor to get information on my questions/concerns. I am glad that they put my two late payments on the end of the loan. Due to being self-employed its very difficult to get refinanced especially with my late payments. The loan is at 4.6 % interest rate so whoever owns this is making great returns since its almost double the current interest rate. Not sure if your department can assist me but since I have been on hold I thought I would file a complaint since I tried being nice and patient and it got me nowhere. Thank you for your assistance.
Company Response:
State: IL
Zip: 60543
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am working to Refinance my existing loan with PHH and they do not refinance in the state of Massachusetts so I am working through another company. I have never been late on my mortgage and my mortgage states I am PAST due. I have called PHH to get a clean or updated mortgage statement 6 times and they will not provide me one, they keep stating it should be online. I have also emailed them twice. I am at the point that my refinance is not going to happen because of the horrible customer service of this company. I was under the impression that they had to provide a clean statement or any mortgage statement when asked for. PHH Mortgage is the company.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX I was going through a divorce, my ex-husband stopped paying the mortgage without me knowing and had the mailing address changed to a PO Box in his name. The lender, Ocwen which then was transferred to PHH Mortgage/XXXX XXXX, never properly notified me as a co-borrower of this issue but started foreclosure proceedings. I went to court on XX/XX/XXXX once alerted to resolve this with my attorney, where the judge ordered a six month stay on any proceedings. In the interim, I sold the property and paid all outstanding fees and balance on XX/XX/XXXX before the stay would expire. The lender, PHH Mortgage, reported to the credit agencies a " foreclosure start '' alert dated XX/XX/XXXX, which is now preventing me from any refinancing options I wish to do on my current home because of this issue. I've reached out to the company both verbally and in written documentation dated XX/XX/XXXX to the Escalations Department and can not get anyone to address this. My calls always get transferred overseas to the XXXX where the reps keep telling me it's being reviewed this after over 60 days of constant follow-ups. I can not get in touch with anyone in the US/ NJ offices, all calls are only transferred out with no assistance. I'm asking for someone to help with my credit status, I always had perfect credit prior, this was a situation out of my control and was resolved accordingly within the timeframe given by the judge in the XXXX County Circuit Court. These companies, Ocwen/PHH/XXXX XXXX, all have negative online comments by consumers for their horrible consumer relations. I hope that there is some recourse that may be helpful in resolving this matter quickly. Thank you!
Company Response:
State: MD
Zip: 21009
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have send various requests to the Mortage company I have requested a forbearance and also a modifcation. Both were not sent to the Bank and dis not get a response. I want to negociate to keep my home I have gotten no resolutions. I was provided with three resoluitons 1 ) pay up 2 ) Quick Sale 3 ) title in lieu 40 moving amount All were not properly explained.
Company Response:
State: TX
Zip: 78520
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: WORST CASE OF PHH MORTGAGE/OCWEN FRAUD The year XX/XX/XXXX was the 30th year of my 30 year mortgage. For many years prior, PHH/Ocwen did nothing but commit one fraudulent act after another against me. Fed up with their fraud, I was finally able to refinance my mortgage and get it out of the hands of PHH/Ocwen. In XX/XX/XXXX, I purchased my home for {$46000.00} and after nearly 30 years of mortgage payments my loan payoff was a staggering {$40000.00}! Nearly 30 years of payments and all I got credit for was {$5800.00}! After the refinance was completed, PHH/Ocwen sent me a check for {$5.00}! PHH/Ocwen committed such crimes as changing my loan type without my knowledge/consent, placing my payments in a suspense account rather than posting payments directly, failed to pay down principal, always claimed I owed more money ( never submitted me any proof ), placed me on several forbearance plans and even though I never missed a payment, the amount they claimed I owed always increased, and fees - all kinds of ridiculous fees that amounted into the thousands of dollars! When PHH/Ocwen fraudulently changed my loan type from a FHA, they began to charge fees. When my loan was a FHA, I was protected from fees. Several attempts for help was made, but PHH/Ocwen never responded to my attorney 's qualified written requests. Nor would they specifically address any questions pertaining to why my mortgage payments were being placed in a suspense account and other discrepancies. They would just send a letter claiming I was always behind in my payments. I have no idea where my 30 years of payments went or whose pocket ( s ) it went into. This company has no right to be in business. They are nothing but thieves! Hell won't be a surprise for them. ( Documents are available for your review. )
Company Response:
State: MO
Zip: 64114
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I already reached out to the credit bureaus and to OCWEN for the account number XXXX and notify them of their error posting for this account on my credit report. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 234XX
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our original mortgage was through Another company and then was sold to PHH Mortgage. When we closed on the original mortgage we did not have to include PMI because the loan to value ratio was below 80 %. However, once the loan was sold to PHH Mortgage they began paying PMI out of our escrow in the amount of {$160.00}. We tried resolving this with PHH, who originally told us it would be resolved in 3-5 business days. This has now been going on for over a month. They told us that they found an internal company memo that said the loan required PMI. The final closing documents clearly stated PMI was not required. We have proven this to them and they admitted that they should not have paid this out of our escrow, but their proposed solution was to refund us {$19.00} instead of the full {$160.00}. They can not explain why we should not be refunded the entire amount. If your mortgage is being serviced by PHH I suggest you read your statements carefully because I have a feeling they are doing these types of things to many people who just arent paying close enough attention.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I really did not see which one I needed to choose from so I chose this one. I am currently with PHH Mortgage. I have been with them for a few years now. My mortgage loan has my name and my ex-husband 's name on the loan. My ex-husband has no interest in the house per the divorce decree as well as signing a quitclaim deed. My ex-husband has remarried and now he and his current wife are in bankruptcy because his name/social security is still attached to this mortgage I have had nothing but problem after problem with PHH Mortgage since XXXX of last year. I have been paying this mortgage and I received my 1099 this year showing that I only paid {$29.00} last year for the entire year of XXXX. Whenever I call PHH Mortgage and I put in my last 4 of my social it's not saying that I have paid anything each month but I am current, that sounds crazy, all of this is because of my ex-husband 's being in his bankruptcy. I am not able to see anything regarding my mortgage loan due to my ex-husband being in bankruptcy. I am not in bankruptcy and I am the one who has been paying the mortgage on the loan with PHH Mortgage, not my ex-husband. I am currently trying to refinance my house and pull money out of my escrow to do some renovations. I began this refinance process in XXXX and here it is XXXX. I had to pay for an appraiser and once the appraiser came out she sent a report that stated I had to have work done on my basement before I could close on my house. I had the work done that they requested. The lenders requested a payoff from PHH Mortgage for the 2nd time, now this last request was originally sent on the XXXX and they sent them the appraisal and final inspection on the XXXX. Today marks the 7th business day since the XXXX. I called PHH Mortgage today XX/XX/XXXX, I spoke with XXXX Agent ID # XXXX, she is with the escalating manager 's team. I requested to speak with XXXX XXXX ID # XXXX because I spoke with her last week as she is the 1st person that I have spoke with at PHH Mortgage who speaks clear English that I can understand. Also, they have my name wrong on the account, the way my name is on my driver 's license and social security is not the way they have it somehow they have mixed up my name, switching my middle name and last name making my middle name be my last name and my last name my middle name. I have been asking them to correct it since last year and that has yet to happen. It seemed to me that XXXX was really trying to help, but per the call with XXXX it is a process to getting a payoff and my payoff is not a usual payoff. As mentioned before trying to get the payoff from them has been worse than pulling teeth and it has been the lenders that I am dealing with their 2nd time that I know of maybe their 3rd time trying to get a payoff from PHH Mortgage. PHH Mortgage has been unresponsive to getting my payoff to the lenders who are requesting it. I feel like PHH Mortgage company is holding my loan hostage for me to continue going through the issues that I am going through with them. I am trying to get my ex-husband 's name off my house. I do not want to stay with PHH Mortgage company. I NEED HELP GETTING THEM TO SEND MY PAYOFF PLEASE. They are holding my refinance loan up. SOMEONE, PLEASE HELP!!! Signed Upset & Frustrated consumer
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Completed trial modification payment XX/XX/2021 amount {$1900.00} Remitted XXXX mortgage payment XX/XX/2021 amount XXXX Requested a fixed mortgage term for 30 years, but received final modification agreement that consist of a balloon mortgage. I did not have a balloon note mortgage prior to the modification. I do not want a balloon mortgage. Per XXXX XXXX customer service I was told to resubmit my request to correct balloon note to a fixed mortgage terms. Received a denial letter stating to many credit inquires and the credit scores were low. Mortgage assistance is not suppose to be based on your credit per the mortgage assistance guidelines. As of XXXX I have resubmitted mortgage assistance request with financials for the XXXX time. Please process request. XXXX XXXX Thank You
Company Response:
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A