Date Received: 2020-05-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements.
Company Response:
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was approved for a loan modification in XXXX of XXXX the following month my servicer transferred my loan to another servicer, Ocwen was my servicer then transferred to PHH mortgage servicing, I guess they are the same company now..I was sent my modification trial agreement I signed it and sent it back, my first payment was XX/XX/XXXX, I received a letter that they can not take my payment until my new servicer can verify amounts so I called to verify this and they told me to try back in a week I did still not verified so another week same thing another week same thing, finally last days of XXXX they took a payment. Then in XXXX I wanted to make a double payment to complete my modification trial and get my mortgage current, I called to do this and customer service told me no more payments needed at this time loan trial is complete, so I was told to wait for further instructions by mail I received a executed completed loan mod packet with my new modified payment which I signed and sent back ..my new payment was to be due XX/XX/XXXX so when I called to make my payment they said I defaulted on my loan trial arrangement so my modification is not approved, but they did take a payment from me over the phone which my bank processed, then they told me my next payment needed to be sent by mail only which I did and the lost it therefore still leaving me in Limbo still. They agreed with me by phone it was there error and had me send back mod payments for about XXXX and they would reverse the modification denial so I did this was XXXX XXXX so I waited for there decision after appointment and appointment still no resolution, so in XXXX of this year still no reversal of denial so the modification Dept. requested another amount of XXXX which I sent certified funds so on XX/XX/XXXX I was told by phone my denial reversal is denied which I feel this is giving exceleration to forclosure sale upper hand. I have all my documents to include, including cashier checks and completed loan mod agreement which they agreed I was giving the wrong direction..please help me just have them honor the agreed modification otherwise during this covid era my family will have no place to live because of a forclosure pending sale process..thank you
Company Response:
State: CA
Zip: 92886
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I request hardship help? XX/XX/XXXX. PHH mortgage services / Ocwen serving only offered Hardship Forbearance Plan for XXXX - XXXX XXXX at this date I will have to pay lump sum of {$2200.00}. I am afraid of losing my home because I will not be able to pay lump sum come XX/XX/XXXX. I had to agree because no other offer. Once again PHH / Ocwen is a predator servicing company. They never correct my escrow amount they are saying I owe {$130000.00} on my home I brought XXXX.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2020-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I obtained a reverse mortgage which was transferred to PHH Mortgage of XXXX, MI.for servicing in XXXX of XXXX. A set aside account was set up to pay my property taxes and insurance on my property. XXXX of XXXX, I was notified by my loan officer that my taxes had not been paid for XXXX or XXXX and after checking with my local tax office, I found that not only were the taxes not paid but had incurred late fees for both years. I instantly contacted PHH Mortgage and when I informed them that I have a set aside and asked why my taxes were not paid, was told that I was responsible to call them every month to make sure this was taking care of. I thought that this was ridiculous and asked to speak to a supervisor and then was told that the associate would need to email her supervisor to start an investigation on this issue. I hung up and called right back and was told by another associate that my taxes weren't paid because PHH never received a bill. I understood oversites and human errors and even though this was their job, I contacted my local property tax office and was told that PHH would need to request that the bill be sent to them so I contacted PHH again and was told that they don't do that and the tax bill was my responsibility. Needless to say, by this time, I was livid and worried that my home was going to have a lean against it and really not knowing what to do, on top of that, I was informed by my insurance company that my homeowners insurance had not been paid either. At this point, I had no idea what this mortgage company was doing with the money set a side to take care of all this. After contacting PHH again and again, after almost two weeks, I finally talked to someone who took the time to look deeper into everything and who informed that they would be sending me a check twice yearly in the amount of {$440.00} that would go toward the payment of my taxes and insurance. I could not believe what I was hearing. ( I received a check in XXXX of XXXX and called about it, I was told that this was a refund check because my taxes before the reverse were already paid ). Apparently since the set aside was not fully funded, undenounced to me, this is a standard procedure and practice of which I was never informed. So in essence, my taxes and insurance are my responsibility My biggest concern in all this is why I was not informed of any of this. I entered into this thinking that my taxes and insurance would be taken care of and not to be made to feel like I had been taken advantage of. When I asked them if this was the way your company treats seniors on fixed incomes who are looking for a better way of life? All they said was sorry and could do nothing for me. I am XXXX years old, a XXXX senior and have owned several homes with conventional mortgages over a period of 20 years and have never ever been late on anything. I feel that it is their duty to practice truthful lending practices and to do no harm to unsuspecting seniors. If it were anyway possible, I would discontinue my dealings with PHH and go with a reputable reverse mortgage company.
Company Response:
State: CA
Zip: 95823
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX Subject : Ocwen abused of power/Fraudulent created illegally documents To whom it may concern : This is to inform you that the mortgage was originated with XXXX XXXX XXXX, XXXX, on XX/XX/XXXX. On XX/XX/XXXX I received an accelerate letter transferred from XXXX XXXX to XXXX. On XX/XX/XXXX I received an important Legal notice from XXXX stated that as you know, the servicing of your home was recently transferred to XXXX XXXX XXXX the name of the creditor to whom the debt is owed : XXXX XXXX, including a fair Debt collections Act and State Law Notice stated that the servicing of your home loan was transferred to XXXX XXXX XXXX, XXXX. Effective XX/XX/XXXX the name of the creditor to whom the debt is owed : XXXX ( XXXX XXXX. On XX/XX/XXXX received a letter from XXXX XXXX XXXX XXXX, XXXX. Said that lender loan # XXXX and investor loan # XXXX requesting payment foreclosures in the amount of {$200.00}, XXXX but there was no transfer letter received from XXXX to XXXX XXXX XXXX, or XXXX XXXX. on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS TRUSTEE FOR MORTGAGE PASS-THROUGH CETIFICATES, XXXX XXXX XXXX case # XXXX filed a lawsuit under a lost note stated that plaintiff is the owner of said note, but the original promissory note was lost or destroyed subsequent to plaintiffs acquisition thereof, the exact time and manner of said loss or destruction being unknown to plaintiff. Plaintiff was an in possession of the promissory note and was entitled it when loss of possession occurred. The loss of possession was not the result of a transfer by plaintiff or a seizure. The plaintiff can not reasonably obtain possession of the note because its whereabouts can not be determined. Said note is not in the custody or can not or control of plaintiff. The note submitted show that another party owns the note. On XX/XX/XXXX received notice of voluntary dismissal and release of Lis Pendent. On XX/XX/XXXX another Lawsuit was filed again by XXXX XXXX XXXX XXXX XXXX XXXX AS TRUSTEE FOR THE HOLDERS OF THE XXXX XXXX XXXX XXXX, XXXX MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX XXXX case # XXXX. On XX/XX/XXXX I received a notice of servicing transfer ( RESPA ) Welcome to ocwen Loan Servicing, LLC. Dear customer ( s ) : Ocwen Loan Servicing, LCC ( ocwen ) welcomes you as a new customer. Effective XX/XX/XXXX, the servicing of your mortgage loan, is, the right to collect payments from you, is transferring from XXXX XXXX XXXX to ocwen. Except in limited circumstances, the law requires that your present servicer send you notice fifteen ( 15 ) days prior to service transfer. In XXXX Ocwen Loan Servicing, LLC ( Ocwen ) stated that Ocwen is the owner or loan servicer of numerous loans throughout Florida. This letter shall serve as evidence and acknowledgment that ocwen has authorized the withdrawal of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX as its counsel for every case on the attached exhibit ; has retained XXXX XXXX XXXX XXXX XXXX, to appear and substitute as counsel for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and assume responsibility for those cases as the filing of XXXX XXXX XXXX, XXXX Notice of Appearance. On XX/XX/XXXX I received a Delinquency Notice from Ocwen loan servicing said that you are late on your mortgage payments as of XX/XX/XXXX ; you are 1912 days delinquency on your mortgage loan. Your account first became delinquent on XX/XX/XXXX. Failure to bring your loan current may result in fees and foreclosure- the loss to your home. Ocwen also stated that according to the records made available by the prior servicer the last payment remitted was on XX/XX/XXXX in the amount of {$930.00} and was applied toward the XX/XX/XXXX contractual payment. We received an escrow payment in the amount of {$5900.00} on XX/XX/XXXX. While I made payments to XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, and XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, including taxes, and home insurance. On XX/XX/XXXX I received a Monthly interest payment amount paid to interest and amount paid to principal {$200.00}, XXXX including current balance as of XX/XX/XXXX. XX/XX/XXXX {$930.00} XXXX, XX/XX/XXXX {$930.00}, XX/XX/XXXX. XXXX, XX/XX/XXXX {$930.00}. XXXX, XX/XX/XXXX, {$930.00} from XXXX XXXX XXXX on XX/XX/XXXX Ocwen loan servicing foreclosed my property incorrectly on behalf of XXXX XXXX XXXX XXXX XXXX XXXX AS TRUSTEE FOR THE HOLDERS OF THE XXXX XXXX XXXX XXXX. XXXX ; MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX XXXX, whose address is c/0 Ocwen Loan Servicing LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX, is due : principal {$200.00}, XXXX. Interest on the note mortgage from XX/XX/XXXX through XX/XX/XXXX {$44000.00}, Escrow Advances {$45000.00} Property Inspection Fee {$400.00}, TOTAL {$290000.00}. On XX/XX/XXXX my attorney XXXX XXXX received a letter from Ocwen loan servicing admitted that Ocwen incorrectly foreclosed the property. We sincerely apologize for any inconvenience this may have caused. On XX/XX/XXXX I received a loan modification from ocwen loan servicing with an Investor Loan # XXXX including an Investor / owner Name : XXXX XXXX XXXX XXXX XXXX XXXX, As Trustee for mortgage pass-through certificates, XXXX XXXX XXXX, in the amount of {$220000.00}, with a balloon payment in the amount of {$150.00}, XXXX. Please be advised that Ocwen loan servicing fraudulent created multiple escrow accounts including payments history to hurt home owners stated that the lender placed hazard and insurance and taxes on the properly. On XX/XX/XXXX received a letter from Ocwen stated that the mortgage was originated with XXXX XXXX XXXX XXXX XXXX ; on XX/XX/XXXX, we acquired the servicing rights from XXXX XXXX XXXX effective XX/XX/XXXX ; please find a copy of the Notice of servicing transfer notice from XXXX XXXX XXXX dated XX/XX/XXXX and the servicing transfer notice from ocwen dated XX/XX/XXXX. On XX/XX/XXXX I received a letter from PHH mortgage stated that this is an important notice containing information critical to this mortgage account .Ocwen Loan servicing has joined forces with PHH mortgage services XXXX a mortgage company with well-established mortgage origination and servicing capabilities. As a result, we will be consolidating all mortgage accounts into one company, PHH mortgage services { PHH } Effective XX/XX/XXXX ; PHH became the new servicer for this account and will be collecting the mortgage payments forward. On XX/XX/XXXX, received a response letter from PPH mortgage stated that effective XX/XX/XXXX, ocwen loan servicing, LLC ( Ocwen ) acquired servicing of this account in XX/XX/XXXX, ocwen Financial corporation purchased PHH Mortgage services ( PHH } ; PHH is now a wholly owned subsidiary of ocwen Financial corporation. Ocwen loan servicing has bad habits by fraudulent created escrow accounts and payments history to home owners to foreclose on their properties. Please be advised on and XX/XX/XXXX, and XX/XX/XXXX Ocwen fraudulent illegally created multiple annual Escrow Disclosure Statements Accounts History Stated that they received an escrow payment in the amount of XXXX and the new loan setup Balances is {$42000.00} and Lender placed Hazard insurance projected ending balance is {$52.00}, XXXX {$3000.00}, and projected Ending Balance is {$46.00}, XXXX. In the annual 2019 Year End Escrow Account information Ocwen said that ocwen issued an DISBURSEMENTS IN THE AMOUNT OF {$1.00}, 007, 73 just to create a shortage on the escrow account in the amount of {$1800.00} so ocwen can increased the mortgage. Yes my taxes went up {$260.00} extra, and my home mortgage insurance was increased of {$120.00}. 00 also On XX/XX/XXXX I received a certified mail from Ocwen attorneys XXXX XXXX XXXX with an invalid four digit loan number XXXX stated that you appear to be concerned about the foreclosure that was initiated against your property. However, that foreclosure has been dismissed in light of the loan modification XXXX XXXX entered into Ocwen. I am attaching the other of dismissal. Which is public record? Please be advised that loan number does not exist. Furthermore Mrs. XXXX XXXX XXXX failed to submit proof regarding numerous escrow accounts, and payments history fraudulent created by Ocwen especially the {$5.00}, 906. 12 Ocwen claimed that they received in XX/XX/XXXX. I, m requesting that Ocwen Loan Servicing to submit proof of all escrow accounts disclosure statements and all payments history, including proof of lender placed hazard insurance and taxes, also who own my mortgage, and note including the investor loan # XXXX owner Name XXXX XXXX XXXX XXXX XXXX XXXX, As Trustee for Mortgage pass-Through Certificates, XXXX XXXX XXXX XXXX Ocwen claimed that Ocwen transferred the mortgage to PHH Mortgage, and I called PHH Mortgage and asked them who own my mortgage the agent from the PHH mortgage said to me that XXXX XXXX is the one who own my mortgage. This is to inform you that I received an Substitute Form 1098 submitted to XXXX from Ocwen for the of Year XXXX from said that the mortgage interest received from payer ( s ) borrower { s ) {$8300.00} outstanding principal as of XX/XX/XXXX {$200.00}, XXXX mortgage origination date XX/XX/XXXX, including a Substitute form 1099-c stated that as XX/XX/XXXX amount of debt discharged {$91000.00}. I received a Substitute form XXXX submitted to XXXX from Ocwen for the XXXX XXXX said that the mortgage interest received from payer XXXX XXXX ) borrower XXXX XXXX ) {$8300.00} and outstanding mortgage principal as of XX/XX/XXXX XXXX mortgage origination date XX/XX/XXXX. Also received an substitute form 1298 Submitted to XXXX from Ocwen stated that Mortgage interest received from payer ( s ) borrower ( s ) {$3400.00} OUTSTANDING MORTGAGE PRINCIPAL {$220000.00} including another 1098 submitted to XXXX from PHH mortgage said that mortgage interest received from payer ( s ) borrower ( s ) {$4700.00} the outstanding mortgage principal {$210000.00}. On XXXX, XXXX received a statement from PHH mortgage said that your loan balance is {$210000.00}, principal Balance second mortgage {$30000.00}, your Loan started XX/XX/XXXX, your Loan ends XX/XX/XXXX. Remaining payments XXXX prepaid principal {$0.00}, prior year principal paid - {$29000.00}, and prior year interest prepaid {$4700.00}, combined Balance first and second mortgage is {$240000.00}. Mortgage fraud is a criminal offence. I will forward a copy to the Attorney General in Florida, including the attorney General in New Jersey as well requesting an investigation regarding Ocwen bad behavior by fraudulent created multiple escrow accounts, payments history including lender placed hazard and insurance, taxes. Because Im totally frustrated, mentally, physically with Ocwen, enough is enough. Ocwen do not respect the Law. I will appreciate very much if someone could look in this matter for me if you need any more documents please feel free to contact me via my email XXXX or on my cell ( XXXX XXXX XXXX Thank you for your cooperation.
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Due to the coronavirus pandemic, my wife and I have lost all of our income for the foreseeable future. Therefore, it has become very difficult to make our monthly mortgage payment to XXXX XXXX PHH Mortgage Services XXXX I called them in XXXX as soon as our businesses began shutting down and spoke with a representative. I was told at the time that the only option they were offering was 3 months without payment or penalty. But on the 1st day of the 4th month, the previous 3 months payments plus the 4th month would be due. Having absolutely no income, this would be impossible. I hung up being very angry and disappointed at their offer. Around XX/XX/XXXX I received the attached letter offering the same plan : three months forbearance and a balloon payment due on the fourth month. We went ahead and paid the mortgage for the month of XXXX because we didn't really see a balloon payment as anything helpful. We also don't trust the idea of " renegotiating '' with this company at the end of three months if we were to forego paying the mortgage. What could they potentially do to us? How would we know that they would offer to attach the missed mortgage payments to the end of the loan as we believe they are supposed to do? The plan doesn't seem to be fully outlined and we are concerned. We are now dipping into our limited savings to stay afloat.
Company Response:
State: NJ
Zip: 07040
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX I called Ocwen to start taking auto payment from my bank account # XXXX, for my mortgage payments. Before hanging up, the rep said ' We see where you have a negative balance in escrow, we divided by 12 months and came up with {$490.00} and added it to your {$680.00} modification payment. You new payment in XX/XX/XXXX is now {$1100.00} '. At the time, I was on an approved modification and my payments were approved for {$680.00}. I had only been on the modification for two months and was current with my payments, when they changed my payment without notifying me first and then tried to take the {$1100.00} instead of the {$680.00} without my knowledge or approval. I informed the agent at the time, I could not afford the amount of {$1100.00} because I am on a fixed income and my social security income was only {$1100.00} and a discontinued pension of {$640.00} until I reach the age for full pension, which is why I signed up for the modification to begin with. He told me to try it for a year and then ended the call without any further assistance. I tried sending a payment of {$710.00} in, which would have covered my approved modification payment but the y sent my payment back and I do have paperwork that they sent me, showing where I sent in my payment and they refused the payment and sent it back. It has been a nightmare from there and I have been fighting to keep my home ever since then. I have been turned upside down with my payments, at this point. My payments of {$680.00} where being sent to my escrow and the {$700.00} for XX/XX/XXXX was returned along with several other payments, with them stating I had to pay {$3000.00} overage first, before they would accept my approved modification amount. Since XXXX, Ocwen has changed the {$1100.00} payment to smaller amounts of {$600.00}, {$740.00}, etc., but still refuses to accept actual payment from me for the smaller amounts. Now when I put in for a modification, they are all being denied. I have a sale date of XXXX and is frantic with trying to save my home of XXXX years.
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mortgage company raises my mortgage every year. I have done 2 modifications with this company and very year there is an underage. I payed a lot of money out to them to do them, and tacked on 10 more yrs to my mortgage. To top it off, I did a bankruptcy in 2016, and since that time they do not report any of my payments. My credit report is so low that i can't do anything. I have repeatedly try to understand, but I can't. The last modification stayed for less than a year, and my taxes went up. I understand that, but now again 1 yr later my mortgage is in underage again. My mortgage never ever goes down. No one has any answers, even RI housing doesn't understand. When I try to speak to them, they have all the reasons why it needs to go up. Once again, my mortgage never ever goes down. They some how dictate the amount of time so that my amount is yrs projected, but yet yr after year, it goes up and up. I have been on a fixed income now for a few yrs due to XXXX XXXX XXXX. It seems to be a loosing battle. I need someone who has experience to help me before i have no choice but to go into foreclosure after 23+ yrs.
Company Response:
State: RI
Zip: 02893
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My name is XXXX XXXX XXXX my loan acct # XXXX from PHH Mortgagor Services at XXXX XXXX XXXX XXXX XXXX NJ XXXX Tel XXXX ) I paid in the amount {$2500.00} for last few year now. XXXX demanded me to pay in the amount {$4000.00} which was an increase 27 % because mortgage company wanted me to pay off my balance before maturity date XX/XX/2035. I was offered from my mortgage co I will pay in the amount {$3200.00} each month and r.emain balance I will pay off on maturity. I can not afford the demand from mortgage co According on the agreement on section 5 if borrower still owns any amount under note ... the borrow will repay these amount in full by that date -- XX/XX/2035 ) Mortgage try to forcing me to short sell my house ( I never late payment ). Please help me to get afford payment and with reason amount and according per agreement.
Company Response:
State: VA
Zip: 22079
Submitted Via: Web
Date Sent: 2020-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Today I received a Payoff Procedure Disclosure with someone else 's mortgage information, as well as their investor ID. The information I received contained privileged information for another one of PHH Mortgage 's clients. I can only imagine where my personal information is now, or how many people have had their identities compromised from this mailing error. I hope to hear how PHH Mortgage is going to better protect my personal information and the information that they compromised of their other clients. This is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2020-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A