Date Received: 2019-06-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX Subject : Ocwen Financial Corp. Consumer Lending and Foreclosure Practices XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Good afternoon, My name is XXXX XXXX XXXX and I owned the property at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX, which is now being auctioned off by Ocwen as a foreclosure. I am writing to inform you of the horrendous mortgage lending practices of Ocwen and demand that this foreclosure be removed from my credit report and my husband, XXXX XXXX and I be removed from the property as owners of recordas this home is in limbo. We purchased this home in XX/XX/XXXX through predatory lending practices. This loan would have never been permitted under the Mortgage Reform and Anti-Predatory Lending Act - Title I : Residential Mortgage Loan Origination Standards - ( Sec. 102 ) Amends the Truth in Lending Act ( TILA ), which was passed in XX/XX/XXXX, to prescribe fiduciary standards for originators of residential mortgages, including complete and timely written disclosure of : ( 1 ) the comparative costs and benefits of each residential mortgage loan product presented by the originator ; ( 2 ) the nature of the originator 's relationship to the consumer, including the cost of services provided by the originator ; and ( 3 ) any relevant conflicts of interest between originator and consumer. Still, we paid on our home for 10 years. In XX/XX/XXXX, my job was moved to New Jersey and we had to move. We immediately put the home on the market with XXXX XXXX XXXX in XXXX, MA. Because we were now renting in New Jersey, we could no longer keep up with payments. This home had multiple offers, which were approved and moved toward closing. Despite Ocwen approving a short-sale, they never followed through with any of the offers. This home could have been sold and off the books in XX/XX/XXXX. That is over 2 years ago. Instead, Ocwen pushed this home into foreclosure and still lists us as the owner of recordprohibiting my family of five from being able to secure a mortgageeven though we have very solid income, good credit and no debt. This is absolutely unacceptable and Ocwen should be held accountable. I appreciate you taking the time to investigate this! Please share your response. Best Regards, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2019-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am having Issues with the mortgage company Ocwen loan servicing and also Phh mortgage company. My first complaint was answered but not completely solved. this has been the most aggravating process since XX/XX/2019. I am looking for help to solve the problem of making payments and making them for the correct amount. every time I call the mortgage company I get the run around and I am told to call back in a week. I have asked for correspondence to reflect my current payments so I can start to make payments, but no one can tell me what my monthly payment should be. They have sent my payments back several times claiming they are not received on time, which is a lie and I have tracking numbers to prove it. I need to have a brand new loan modification done to satisfy my problems. I need to be able to make payments, I can not wait and wait and then come up with a huge amount of money. I have lots of financial bills to be paid and while the mortgage company doesn't take my payment, i will pay some one who will. there needs to be something done, I have been waiting two weeks now and still no answers, I received correspondence saying to please be patient they are still working on it. this is nonsense, how can a company function like this.
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2019-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Payment history provided by Ocwen is incorrect and shows where Ocwen has reversed payments on their end despite payment confirmations on our end. Ocwen reported our mortgage was 30+ days late to all 3 credit bureaus in XX/XX/2018, XX/XX/2018, and XX/XX/2018 which is incorrect. The payment records I've attached show the payments were correct and Ocwen 's record shows them removing payments from our account several days after the payments were made. There are currently 30 states that have filed lawsuits against Ocwen for similar practices. They also refuse to respond to any questions on the phone. Ive called numerous times and been disconnected, transferred, hung up on, given fake numbers that dont work, etc
Company Response:
State: NC
Zip: 27614
Submitted Via: Web
Date Sent: 2019-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen loan # XXXX it was Modified on XX/XX/XXXX that time ocwen calculate the Amount monthly as there break Down pricipal, Interst, Insurance, real Estate StateTax and I was paying timly and in the mean time ocwen advised me if i provide Hazards Insurance then premium will reduce and I did that, But from time after 3 month they made little reduced which is i decided that is not helpfull the way ocwen provide me information. then XX/XX/XXXX-XX/XX/XXXX ocwen provided me statement with eveything my monthly premium {$2100.00} which is we paying continued. in the end of XX/XX/XXXX ocwen send letter that from XX/XX/XXXX Monthly premium will be {$2400.00} I called and asked ocwen why too high raise I need to see reason, on XX/XX/XXXX ocwen send me statment that they missed by reveiw XX/XX/XXXX - XX/XX/XXXX Insurance is not Found on there end. I asked how they have done the Modification Grand total. amd from there i was shocked and Doubt that they are not fair. again i called and asked ocwen and they ocwen provide me information is not match as previously ocwen given. I told them if the issue will not resolved before the XX/XX/XXXX or XX/XX/XXXX I will not making any more payment, and conversation in there recorded. this point I dont know how to solve this and i think since year XX/XX/XXXX I paid mortgage still my principale never coming down and going up this issue is effect my family 's Bread and foods. I need help, and stop ocwen to taking this kind advantage on me. I am not healthy person I am not not Young I am XXXX year old and I am Disable person I could not take anymore streess as they ocwen giving me. Today again I called and they ocwen informed me my loan is tranferred to XXXX i dont know what is this. Please see the letter ocwen sended to me on Dated XX/XX/XXXX and letter dated, XX/XX/XXXX is not match and phone explanation is Error. Thank XXXX and XXXX XXXX XXXX email XXXX Note I haved sended so many requesting to resolve and satisfy my morthahe issue I am Tiered.
Company Response:
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2019-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX, I was with Saxon mortgage. I got caught up in the loan scam where they increase your loan rate. My mortgage went from {$2100.00} to {$3500.00}. At the time, I was married and our business which was as an electrical contractor almost went belly up due to the economy. And with the payment almost doubled and my income falling stale ... I contacted Saxon Mortgage and was approved for the HAMP program. I made 3 payments XXXX, XXXX, XXXX ... and they called me and said they made a mistake and I didn't qualify. They then told me I was in foreclosure. I called back and spoke to a different person ... they said I qualify but they gave me the wrong amount. So we began on the HAMP program again. Now before I go any further, 2 of the previous payments were never credited to my account. It was in the amount of I believe {$860.00} and some change. I asked for it to be reviewed only to be ignored. I then just kept paying my payments for the new HAMP program I received. In XXXX of XXXX they told me that I was approved and the final modification would be mailed to me. I was told not to make the HAMP program payment thru XXXX XXXX but to send it as a bank check attached to the signed loan docs for the modification. I never received the loan docs. I called numerous times asking for the docs ... they said they sent them ... then they said they resent them via XXXX. Still nothing. I called many many times that month. On XX/XX/XXXX, I spoke with a rep named XXXX. She seemed concerned for me and said if I didnt get the pkg by XX/XX/XXXX to call her and she would take my payment over the phone. I called on XX/XX/XXXX, they said XXXX wasn't in but that they couldn't take a payment because according to the HAMP program now I was 31 days late and now no longer eligible for the program and they were foreclosing on my home. I freaked out and called an attorney after calling the AG office. The attorney said to save my home, I needed to file bankruptcy. So I paid Attorney XXXX XXXX from XXXX, NH and began the bankruptcy process. A couple weeks after filing, Saxon sold me to Ocwen and Ocwen was willing to " work with me ''. Now when all this process began, I owed just over XXXX on my mortgage. Bare in mind that I had been paying on my mortgage in one form or another and that this process had been approx just over year ... but again, I paid XXXX for 3 months ( only 2 of which were credited ) and then XXXX thru XXXX at just over {$1600.00}. Ocwen mortgage then made my principle balance over {$310000.00}. It didnt compute and I called the AGs office again as well as my governors office trying to get help. No one could help me so to save my home, I had to take the cards I was dealt. I canceled the bankruptcy and it was dismissed not discharged. I paid all my debt. Now, in XXXX XXXX, Ocwen sold my mtg to PHH and it seems I'm missing payments to my loan. And I cant get in touch with Ocwen ... it automatically sends me to PHH when I dial the Ocwen number and I cant get any info. I need your help. Here 's a quick summary ... 1. Payments missing from Saxon totaling over {$1700.00}. 2. Adding almost 100k to my loan ... for what? Now I'm severely upside down on my home by over 130k. 3. Ocwen missing payments and putting me into preforclosure. Currently I'm only 1 payment behind but shouldn't be based on the previous missing payments from Saxon and a payment seems to be missing from XXXX or XXXX of this year but no one can give me info from Ocwen. They also have me at 4.5 % for the rest of the life of my loan and I found out I have a huge balloon Payment at the end which I was told when I accepted the $ XXXX mortgage that if I paid on time for 5 years, that Ocwen would forgive the balloon ... another lie. I paid on time and {$500.00} extra every month. Ocwen, Saxon and PHH are terrible companies and I advise against ever doing business with them.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XXXX of XXXX I recieved a call that my home was up for forclosure if I didn't catch up with my payments. In XXXX of XXXX a payment for XXXX was wired to ocwen loan servicing. According to them they had repeatedly sent notices which I didn't receive. They took my payment which they can't locate and on XX/XX/XXXX a man knocked on my door and informed me and my son that he had bought our home and that it was no longer ours. Ive tried a million times to contact ocwen but they sold my loan to a new company. They constantly added charges claiming mail charges do I was always short on my loan payments because they put it towards other things. It's not on me to pai for mail they send which I wouldn't receive regardless. I recieved a call yesterday stating that my loan would ne up to date if I made a payment for XXXX. My loan was XXXX for one and XXXX for the other. If i was ONLY behind XXXX and that would get me caught up, how could they have sold my home and leave us homeless. This has caused major XXXX for my son, myself and my daughter. It's not only unfair but embarrassing. I have my credit ruined and it's also cause a lot of turmoil on my family. I owed XXXX on the home, the man is willing to resell to me for XXXX more than he paid for it or it's worth with XXXX non refundable until I get a loan or the end of XXXX. I reported back in XXXX that I was divorced and thr home was awarded to me they didn't make the changes now the check can't even be given to me because my husband was dull on the loan so I can't even use that money to help us find a place to stay for the meantime. I have no family here other than my mom who has worked all her life to have her home and she's willing to put her house for us to get a loan to regain our home back bit her DTI in too high so we can't get approved for a loan. Please help me. Ocwen is the most fraudulent mortgage company ever. I'm out a home, escrow payment and attorney fees. I don't care about anything else 3 but this was my kids home and they took it from us. Im desperate. My son graduates this Saturday from high school which he worked so hard to do, and the only thing he's got to look for and not having a place top come to after graduation. He wants nothing but to have his home back.
Company Response:
State: CO
Zip: 81001
Submitted Via: Web
Date Sent: 2019-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PHH Ocwen loan number XXXX XXXX XXXX XXXX XXXX CA have been trying to get a loan modification my principal residence my husband is a XXXX XXXX XXXX veteran we are XXXX and XXXX years old. The home has been in my family for 67 years. I received a streamline mod of XXXX a month way more than we could afford on a veteran and social security XXXX income Ocwen/PHH knew it is not 31 % of our income. On the documentation there was a place to sign for a short sale on XX/XX/XXXX I signed it and procured a realtor. We received a great offer. Here is what happened next. They emailed today the day before my sale and said they did not have any documents In response to the email received I have now faxed 52 pages to them again at the number they provided. These same documents were emailed to Ocwen Mortgage On XX/XX/2019. On XX/XX/2019 I spoke with XXXX ( employee # XXXX ) at PHH Mortgage who advised loan transfer had not been completed, to call back on XX/XX/XXXX at which time ALL documents should be in the system. On XX/XX/XXXX I spoke with XXXX ( employee # XXXX ) who confirmed that ALL documentation had been received and that I would receive a phone call from the short sale Department within 2 business days ( i.e. XX/XX/19 ). To-date I have received no communication either by phone or email from the short sale department until XXXX this morning when they said they dont have the documents. I have NEVER been able to reach the Relationship Manager assigned to this file, XXXX XXXX XXXX either by phone or email. He has never responded to an email sent to him or to voice mail messages I have left. I find the " delay tactics '' being used by Ocwen/PHH Mortgage to be extremely unethical and am at a loss to understand why they would not wish to entertain an offer on a property. While sending this email, I was on hold waiting to speak to XXXX XXXX XXXX for the last 45 minutes - again I question if there overall intention is to provide assistance or not. Delay tactics no one to talk to? My husband and I are trying to do the right thing on a mortgage that is really not even valid. As far as I am concerned Ocwen/phh is stealing and we the senior citizens veterans normal people are XXXX forever. How can you not do something about this company? I thought you are to protect the consumer! XXXX XXXX
Company Response:
State: CA
Zip: 94553
Submitted Via: Web
Date Sent: 2019-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-12
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: This is an additional problem from a complaint that was filed with Consumer Finance and taken care of by you guys back in XXXX of XXXX that was not discovered until trying to file for a divorce. The Case # then was XXXX-XXXX. If you look that file up you can see what took place. We thought it was taken care of but found that the loan company that we originally dealt with put 2 deeds of trust against our home rather than just the one. The loan company had us sign a second set of paper work about 5 weeks after we signed the first saying that they had left something off. The first set of paper work is for {$61000.00} and the second is for {$61000.00}. So both deeds of trust were sent to XXXX County Tennessee Trustee and put against the home. One of them was released when the loan was paid off and not both deeds of trust. You should be able to get an idea of what I am talking about with the attachments. The problem is that when the loan was taken out in XX/XX/XXXX XXXX/GMAC Mortgage was the lender and part way through the life of the loan XXXX went out of business and our loan was turned over to OCWEN. Please help me with this matter if at all possible because I don't have another avenue to go through for this. OCWEN was not even willing to put our last payment toward our loan until I got Consumer Finance involved in XX/XX/XXXX.
Company Response:
State: TN
Zip: 376XX
Submitted Via: Web
Date Sent: 2019-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I attempted to pay my mortgage with Ocwen via the phone as I usually do. Unfortunately, their automated system does not recognize my phone number, loan number, nor does the alternate option of inputting my social security number and zip code work. I have tried multiple numbers of Ocwen so I can make my mortgage payment and to no avail I am put on hold for 30 to 45 minutes before the system hangs up on me. I just want some assistance from Ocwen so I can make my mortgage payment on time before the XXXX without concern of being late. I just need to pay my mortgage, which you would think Ocwen would be happy to take from me.
Company Response:
State: NY
Zip: 11105
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen ismay mortgage holder. They transferred all their clients to XXXX XXXX who does not accept my payments thru the system. I have until the XXXX to pay the mortgage but both ayatemaare not working. I have called all the numbers listed in their website and nothing. I need assistance in getting through them.
Company Response:
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A