Date Received: 2019-07-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Dear To Whom This May Concern, I am presenting this letter before you with true facts, documents, and recorded conversations that were made with permission which will be attached to this letter that can prove and confirm everything that is being presented is true. I am sending documentation of my Petition For Review that I made for the Supreme Court Of California which has been denied without even being looked at, I find this to be outrageous and this is before the Superior Court Of XXXX XXXX in XXXX California, XXXX XXXX XXXX. XXXX throughout my case without leads to amend. If you do not know what this means, this means I can not go back to the courts and fix anything, my case has been dismissed, so now I had to appeal to the Appellant Court in which I did. And they also dismissed my case. This all has to do with my lending company who is Ocwen Loan Servicing. Ocwen Loan Servicing chose me, I did not choose Ocwen, I do not have a choice in who owns my homes mortgage. Ocwen Loan Servicing is rated as one of the worst companies in the world with an F rating in the XXXX XXXX XXXX, sued by the XXXX XXXX XXXX investigation for XXXX XXXX dollars and won. And also, Ocwen has a federal lawsuit pending since XXXX and Ocwen has over 300,000 complaints and numerous lawsuits and unlawful foreclosures in 49 states for fraud. All I am trying to do, in all of the courts I have been through, having to hire several lawyers, which has cost me thousands and thousands of dollars all because I am trying to defend my home from Ocwen Loan Servicings dishonest, unethical, unlawful, misleading, fraudulent business tactics that are being used to steal my home to enrich Ocwens greedy pockets, which is forcing my family and me in a destitute state of homelessness. This is something that I want to bring attention to, How can a company be convicted of all these fraudulent acts, have hundreds of thousands of complaints, being known to be a fraudulent company, convicted of fraud, be able to buy, purchase or inquire my homes mortgage and rain havoc upon me and my family since XXXX. For eleven years, I have been going through this. How can any of this be legal? This is my first and only home. Ocwen does not just steal homes, they destroy families. This has got to stop. Sincerely, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90603
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage loan servicing company is PHH Mortgage Services, XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX. I have been making regular mortgage payments, by way of bank drafts initiated by PHH, since XXXX, XXXX. From time to time, I have made additional principal payments, ten in all totaling {$10000.00}. I regularly track my activity on the PHH website ( XXXX ). To my discredit and chagrin, I only recently noticed the website offered less than complete information on my payment activity, and what was offered was confusing. The loan activity column on the website shows only payments made, the dates thereof, and the ostensible application to the loan. Worse, when I have made additional principal payments, the amount showed as applied to the loan balance is always {$0.00}. Nowhere on the site is there to be found a conventional amortization schedule which would reflect the missing information ; i.e., what amounts from each regular payment and additional principal payment are applied to principal and interest and the resulting principal balance.By letter dated and mailed XX/XX/XXXX, I requested a complete amortization schedule from the beginning of the loan, showing all the information detailed above. The only response has been a note, dated XX/XX/XXXX, stating PHH is still researching the matter. As all the information I have requested is within their knowledge and control, no research should have been necessary. This delaying response makes me question their sincerity in providing me with complete and accurate information. I have correspondence corroborating my allegations. Please investigate ; my Loan Number with PHH is XXXX.
Company Response:
State: AL
Zip: 36830
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX of this year my loan was transferred to PHH Mortgage from Ocwen Loan Servicing. PHH has been misapplying my payments to principle instead off the normal monthly payment due. I made a phone-payment for XX/XX/2019 with conformation number of XXXX for {$200.00}. That payment does not show up on the XXXX statement. on XX/XX/XXXX, I made another phone-payment for {$200.00}, conformation XXXX XXXX, that should have been for the XXXX payment. Those monies were entirely misapplied to principle. This caused the XXXX payment to be missed and now that payment shows a past due amount of {$100.00}. I have tried to contact PHH by phone but their system will not permit direct contact with someone to talk with, and the automated system does not provide answers to how payments were applied, retrieving payment history, correcting payment errors, or adjusting payment due dates. Additionally PHH is sending the monthly statement late. The statement is printed on the XXXX of XXXX but it arrived on XX/XX/XXXX with a due date of XXXX the XXXX. This inherently creates an intent to create a late payment fee.
Company Response:
State: CA
Zip: 91784
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Received a collection call for a missing payment for XX/XX/2019 that was paid on XX/XX/2019. Servicing transferred from XXXX XXXX to PHH Mortgage. Payment was sent by XXXX XXXX to PHH on XXXX vis XXXX ( XXXX ) and received by PHH on XXXX signed for by XXXX. PHH denies receipt of payment and customer service refuses to acknowledge the issue. Called several times and always waste away on hold. When someone finally answers I am either hung up on or placed on hold again.
Company Response:
State: NV
Zip: 89135
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have had a mortgage loan for approximately 35 years. Ocwen became our loan servicing company after acquiring it from XXXX. With XXXX we had an ARM for 2 years at 8.650 % with a 30-year fixed rate following that. With Ocwen, we were told in XXXX of XXXX, that our loan would be going to a variable rate. In XX/XX/XXXX PHH took over for Ocwen, which now holds our loan. In the process of Ocwen/PHH transitioning in as the loan servicing company, our loan has gone from a payment of XXXX to XXXX per month. We have paid our payments on time but according to our credit report, the payments are showing as late. In looking online more into this company we have found this to be the case with many Ocwen/PHH mortgage holders. Please see XXXX XXXX XXXXXXXX. According to this website, 21 states have filed class action lawsuits and have successfully banned Ocwen/PHH from being a loan carrier in their states. ( " In late XXXX of XXXX, 20 states took aim at Ocwen and blocked the company from handling any more mortgages in their states. Massachusetts became the 21st state on XX/XX/XXXX and in XXXX, Texas joined the growing list of states that have said, Enough! to Ocwen foreclosure fraud. '' ) Our credit score has been damaged terribly by them. Our score has gone from XXXX to XXXX. Because this is our only loan and we pay our bills on time, we have a strong belief this is because of this company and the payment we are required to make is crippling us. We discovered our credit score within the last 2 weeks as we were applying for a new loan. We received no notice of any kind from them and we are afraid they are going to take our home from us. We have also attempted to contact them but they are not taking calls because " PHH phone system was not working because of a high volume of calls. ''
Company Response:
State: WA
Zip: 98335
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen Mortgage Service recently transferred our loan to PHH Mortgage CompanyXX/XX/XXXX, I was on a biweekly pay option paying every 2 weeks for my mortgage. I am a paying customer and have never been behind with my mortgage. When our loan was transferred to PHH mortgage, there was one payment left in suspense because PHH mortgage did not correctly process the Bi-weekly transfer option. I contacted PHH to on XX/XX/19 to see if I could maintain the bi-weekly option, I paid the XXXX payment of {$1200.00} on XX/XX/19 ( XXXX payment ) and they advised me that I needed to pay an additional {$620.00} ( Paid XX/XX/19 ) to cover the mortgage for XXXX and the suspense payment ( {$620.00} ) -pending from Ocwen because it was bi-weekly ... .would bring the account current for XXXX. I submitted XXXX XXXX info and 5 days later i contacted PHH mortgage to confirm if they received ... .They advised me they did receive and the payment of the XXXX XXXX-suspense payment and the payment of {$620.00} processed on XX/XX/19 was applied to principle in error and they will submit it to be corrected. I then call on XX/XX/19 -- -waited online and was transferred call was disconnected. Called back spoke with someone and they transferred me to supervisor line on hold 15 mins-call disconnected. Called at XXXX and spoke with a person who transferred again to a Lady that was yawning on the phone when I started explaining issue! ARE YOU KIDDING ME!!!!! I recorded all calls from XX/XX/19 ... .A relationship manager is suppose to call me within 48 hours ... .The CFPB will be contacted if this is not resolved. To add insult to injury PHH also drafted the full payment of {$1200.00} on XX/XX/19 -- -which I was told this was gon na be the XXXX payment of {$620.00} towards XXXX payment- ( So you drafted XXXX payment in XXXX and applied XXXX payment to the principle ) THE WORST EXPERIENCE EVER after speaking with person on XX/XX/19 at XXXX she advised me there is no bi-weekly option its just allows you to draft full amount on a day of your choice thru the XXXX ... ..SMH but I was told XXXX XX/XX/19 I was setup for the bi-weekly option which she said was XXXX option and I was all set!!!! THE WORST EXPERIENCE EVER!!! If I do not receive a call I will be seeking LEGAL ACTION! anyone else having issues please contact Consumer Financial Protection Bureau ( CFPB ). www.consumerfinance.gov/complaint/ FYI ... ..The company does not answer phone calls without waiting over 30 minutes- ( There is a loud Static noise while holding on the line, probably there to make you hang up ... I did advised them when I called about this.. The customer service reps are not knowledgeable about the services or anything when it comes to your mortgage account .... I will be refinancing with another lender asap to avoid doing business with them for much longer.
Company Response:
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We discovered when attempting to obtain a payoff amount for the existing loan, that we had become subject to loan modifications in the form of a balloon payment and a SAM without our knowledge. XXXX XXXX was dropped from the loan documentation without notice resulting in her being unable to access account information, make any changes, or even discuss the loan. The backstory for this begins with a woman from Minnesota XXXX XXXX who had loaned money to XXXX XXXX, an uncle here in XXXX. Through a mutual friend of XXXX 's the niece who had been ejected from a local motel, was brought to the home of the XXXX 's. Subsequently, they offered her a place to stay on promise of her paying rent as soon as she got a job. During this time ( XXXX ), the XXXX 's were in danger of losing their property to foreclosures. XXXX recommended XXXX as a " fixer '' and the XXXX 's asked for his help with their bookkeeping, and he then offered to help them with the foreclosure problems. Amazingly enough, a few phone calls later, the initial mortgage company XXXX, predating OCWEN, withdrew the foreclosure notices. In XXXX of XXXX, XXXX, according to the documents shown as Exhibit A ( which include a cover letter by XXXX ), falsified a Power of Attorney to represent the XXXX and to conduct business on their behalf in all matters related to their mortgage account. In it, he claimed to be fully authorized to negotiate the terms and conditions of the mortgage loan and modification agreement and proceeded to make changes with OCWEN ( the current mortgage holder ) that were not revealed until some time later. We have also included as Exhibit B a draft of same addressed to XXXX. XXXX moved in to the house during XXXX of XXXX and signed a rental agreement drawn up by the owners for one year ( XX/XX/XXXX thru XX/XX/XXXX ). The original rental agreement has been misplaced among papers. In XXXX, the owners prepared another rental agreement for signature and it was voided by XXXX and a Lease Agreement was created for period XX/XX/XXXX to XX/XX/XXXX ( Exhibit C ). Exhibit C was signed by both the owner and XXXX. Please note the signatures because this is the last and only document signed by the owner. The next document prepared by XXXX was a Lease Purchase Agreement to be in effect XX/XX/XXXX for three years ( Exhibit D ) during which time the Tenant could pay the Mortgage Lien on the property at any time to take possession of the property. Exhibit D reduced the monthly amounts due from {$700.00} to {$610.00}. [ Please note that the amount of {$610.00} was the exact amount of the mortgage payment only obtainable from the mortgage company. ] Most glaring was the obvious falsification of XXXX XXXX 's signature. [ Note : when comparing both signatures from the Exhibit C, it is evident that either XXXX 's signature on Exhibit C was falsified, or is falsified on all subsequent documents because they do not match. ] Exhibit E is a copy of the the Lease Purchase Agreement and has XXXX 's comments pointing out the fraud it contains. Exhibit F is a page that XXXX found that was one of many signature pages signed by XXXX for use by XXXX, according to XXXX. At no time was there ever received any monies from either XXXX or XXXX which violated the terms of the rental agreement and Lease Agreement. The owners were advised by both XXXX and XXXX that payments were being made directly to the mortgage company. To that end, the owners discovered later that XXXX had authorized access for XXXX without their permission. Furthermore, where there had been monthly statements received by the owners, now there was no communication from the mortgage company to the owners. Sensing there were issues involving Ocwen, the owners began attempting to obtain documents that would provide them with the loan status. It took two years to finally accumulate sufficient information to determine that the loan was in jeopardy. The true intentions to force the sale of the property and enable XXXX to obtain the house in a short sale didn't come out until after the attorneys were brought in to assist in the eviction of XXXX. XXXX is an XXXX year old senior citizen, fathered XXXX children and XXXX XXXX more and they are all creative, successful, and self-supporting individuals. XXXX is a former XXXX active in his church and community and although we can not ascribe intention to Ocwen during this period, we can describe the effects on the XXXX and their finances. By Ocwen failing to properly " vet '' or screen every person seeking information about the XXXX 's account, they were subjected to gross fraud. In his communications with Ocwen, XXXX complained that when he would call in, there was no requirement to authenticate himself, not even a password. Further, Ocwen 's obligation to protect the XXXX 's right to ownership was so lacking that even people taking calls at Ocwen did not know that the XXXX 's were the owners. In XXXX, Ocwen forced the owners to pay for flood insurance even though they had been provided documentation by FEMA that the house would never flood. These forced flood insurance payments added thousands of dollars to the mortgage payments. Some time prior to XXXX, as a part of the restructuring undertaken by XXXX, Ocwen applied various types of modifications to the original loan. These included balloon notes, ARMs, and SAMs. These did not surface until XXXX when the owners attempted to refinance their residence. When the owners objected to the modifications, specifically the SAM, by initially charging {$8000.00} and in response to the owners complaint raised it to {$15000.00}, then a third time when the owners complained, they raised it to {$77000.00}. Please note, the original payoff for the house in question was {$54000.00}! Learning of this abuse, the owners contracted with an attorney to assist them in the removal of the " tenant '' XXXX ; however, even though a sitting judge declared the documents used by XXXX as forged, the owners were told no criminal charges would be filed against XXXX, that these were civil matters.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: loan XXXX, before Ocwen transferred the loan to PHH, they received {$7500.00} in trial payments from a bad loan mod ; we received {$1500.00} of the {$7500.00} but still have not received the rest of $ XXXX months ago
Company Response:
State: WA
Zip: 98031
Submitted Via: Web
Date Sent: 2019-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX - need to remove bankruptcy from my account. I sent them everything they needed and I didnt get anything back. Ocwen. Needs to open my account. They have my mortgage as paid off. Its not I make payments. I sent all the information on another complaint. XXXX XXXX XXXX all show my account closed. I cant use the XXXX boost because I have extra security on my bank account because of ID Theft Please help. Im working really hard to settle all of this.
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2019-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen loans changed recently to phh When I first got this loan at closing they told me no penalties for early payoff and my loan had a cap of 9.99 %. I yearxafter getting my loan they informed me there is a penalty for payoff I opposed and complained. No action no answers nothing. Now today I get a letter saying that my interest now caps at 14 % This company is out of control. How can they change my terms after telling me in person what my terms are?
Company Response:
State: CA
Zip: 92057
Submitted Via: Web
Date Sent: 2019-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A