Date Received: 2019-05-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hello, We were approved for a loan modification, we did trial payments and what ever was requested this all occurred in XXXX. Loan modification documents to finalize were sent to our home in XX/XX/2019. We never received so I contacted Ocwen early XX/XX/2019 and advised us would have a packet remailed. We did receive them and signed and returned. I did fail not to register agreement, sent through regular mail. I attempted to make my payment on XXXX and payment could not go through. Contacted Ocwen and was advised my loan modification was denied because signed documents were never received, I was also advised to provide a tracking # in which I do not have because I did not register documents. Was advised had to submit all paperwork over again and had to wait to see what outcome is! Meanwhile I have a default notice. I am asking for your assistance, I think its unfair in how our situation is being handled. It also makes no sense! We have struggled so much to keep our house and just need help so that this gets resolved. Can someone please please get back to me? I am afraid my home can go into foreclosure and we dont want to loose our home. I appreciate the time you are taking in reading my email and hope to hear from someone soon!
Company Response:
State: CA
Zip: 95132
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I HAVE FILED A PREVIOUS COMPLAINT AND I DID GET A RESPONSE BACK FROM THEM HOWEVER THEY ARE BEING EXTREMELY BIAS IN THE RESPONSE INDICATING THAT WE MUST START THE APPROVAL PROCESS OVER AGAIN WHERE THERE MAY BE A CHANCE WE WONT GET APPROVED FOR SOMETHING THAT WAS NOT OUR FAULT, THEY FAILED TO SEND THE ACTUAL CONTRACT WITH THE APPROVAL LETTER AND AND IVE MADE EVERY POSSIBLE ATTEMPT TO CONTACT THEM AND GET SOMEONE TO LISTEN TO ME. WHILE THEY CAN NOT PROVIDE ANY PROOF THAT THEY DID IN FACT SEND THE CONTRACT, THEY DO NOT BELIEVE I MADE ANY ATTEMPTS TO CONTACT THEM OR SEND THEM THE LETTERS STATING THEY HAVE NO RECORD OF THEM, I DID NOT SEND THEM REGISTERED MAIL BUT NEITHER DID THEY AND YET THEY ARE CHOOSING TO NOT BELIEVE ME BUT EXPECT ME TO BELIEVE THAT THEM, THIS BIAS ATTITUDE LEADS ME TO BELIEVE I HAVE NO CHANCE AT ANOTHER REPAYMENT PLAN AND FEEL LIKE THEY ARE DISCRIMINATING AGAINST ME. THEIR COMPANY HAS BEEN CHARGED WITH EXTENSIVE VIOLATIONS AND HAVE PAID MILLIONS IN FEES DUE TO THEIR ILLEGAL ACTIONS AND YET THEY ARE INSINUATING THAT I HAVENT DONE WHAT I SAID I HAVE DONE, THE ADMINISTRATIVE OFFICE WAS RESPECTFUL ENOUGH TO SEND CORRESPONDANCE REGISTERED BUT THIS OFFICE CONTINUES TO SEND MAIL UNTRACKED, LEAVING NO RECORD OF HAVING SENT ANYTHING AT ALL.i NEED TO DETERMINE THE DISCRIMINATORY NATURE OF THEIR ACTIONS AND INTEND ON FILING CHARGES WITH THAT AGENCY IF THEY DO NOT STOP ACTING IN THIS BIAS MANNER AND CHOOSING TO BELIEVE WHAT ONLY BENEFITS THEM WITH NO PROOF TO BACKUP ANYTHING THEY ARE SAYING.
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Account Number - XXXX / XXXX Normal payments were automatically withheld from my bank account each month until XX/XX/XXXX. Ocwen, XXXX, or its parent company, in error, misapplied a tax payment ( {$25000.00} ). The payment was applied to surplus funds and I received numerous calls from 3rd party vendors stating that I was entitled to lost funds. Ocwen, XXXX, or its parent company asked for a copy of the document indicating the error. XXXX Countys tax office forwarded a similar surplus letter and Ocwen, XXXX, or its parent company was contacted. XXXX County forwarded the surplus funds back to Ocwen, XXXX, or its parent company in XX/XX/XXXX. A letter was forwarded from Ocwen, XXXX, or its parent company stating that a {$25000.00} payment had been received and the next scheduled payment was established for XX/XX/XXXX. In error, Ocwen, XXXX, or its parent company misapplied the funds that created a large negative escrow account. An escrow analysis was performed and a new statement, payment amount ( {$1200.00} ), and payment date ( XX/XX/XXXX ) was established. In XX/XX/XXXX, a call was placed to Ocwen, XXXX, or its parent company. It was mentioned that another error was made that resulted in a significant increase in the monthly amount. Ocwen, XXXX, or its parent company acknowledged the mistake and applied the surplus funds to the Escrow account. The account was rebalanced and a statement was generated indicating a new payment ( {$830.00} ) for XX/XX/XXXX. On XX/XX/XXXX, Ocwen, XXXX, or its parent company placed a call and mentioned that a payment for XX/XX/XXXX had not been received. A copy of the statement for XX/XX/XXXX was uploaded by email. The representative for Ocwen, XXXX, or its parent company mentioned that payments for XX/XX/XXXX and XX/XX/XXXX had not been paid. It was mentioned to the representative that payments had been made to the account that resulted in rebalancing, new payment dates, and amounts. The representative mentioned that payments in the amount of {$570.00} should be made for both XX/XX/XXXX and XX/XX/XXXX. A payment of {$570.00} was processed immediately but it was emphasized that such payments were being made until Ocwen, XXXX, or its parent company could correct issues. It was also mentioned that my account had to be maintained in a healthy status because of another mortgage loan application. A 2nd payment was scheduled within two weeks. On XX/XX/XXXX another representative from Ocwen, XXXX, or its parent company called and mentioned that I owed {$1200.00} for XX/XX/XXXX and {$1200.00} for XX/XX/XXXX. It was mentioned to a representative that a representative from Ocwen, XXXX, or its parent company had called on XX/XX/XXXX and a payment was made for {$570.00} for XX/XX/XXXX and the second payment in the same amount was scheduled for XX/XX/XXXX. The representative did not see the payment or note but mentioned that I owed {$1200.00} for XX/XX/XXXX and {$1200.00} for XX/XX/XXXX. A request was made for an escalation team member or account representative. The account representative missed two appointments. The last appointment was not rescheduled. Ocwen, XXXX, or its parent company rebalanced the account and forwarded another statement on XX/XX/XXXX and mentioned that the revised payment date was XX/XX/XXXX. A 2nd request was forwarded that any account involvement should only be performed with someone State-Side ( within the United States ). The corrected escrow payment was the only call handled within the United States. I am requesting IMMEDIATE ACTION. Ocwen, XXXX, or its parent company has injured my credit record and ability to obtain a mortgage product with another company. In addition, Ocwen, XXXX, or its parent company has started solicitations to obtain a mortgage with their company on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The dates correspond with my interest toward obtaining a mortgage product with another company.
Company Response:
State: GA
Zip: 31210
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I've attempted to eliminate my PMI. I've paid my balance down to 71.64 % of my original balance. I've never been late on a payment and have made payments for over 180 months. Ocwen Loan Servicing is trying to force me to pay {$450.00} for an appraisal in order to eliminate the monthly PMI.
Company Response:
State: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2019-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To whom it may concern, I am writing in regards to a balloon loan agreement for my property, On XXXX XXXX I received a copy of a balloon disclosure stating that I applied for a loan modification that required a balloon payment of XXXX due as a single payment in XXXX XXXX. I did not sign such document as evident by the forged signature, absence of a wet signature from the loan servicing company officer and sign date.As a result, l have reported this findings to the fraud department and filed a formal incident report with the XXXX XXXX Police Department.
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was a Tenant in a home Serviced by Ocwen. The Homeowner had Health Challenges and Ocwen refused Modification. His family had to move his possessions by XX/XX/2019. The Property Preservation Team told me " Move your belongings and Ocwen would contact you ''. I put most of my personal possessions in Storage. I changed the locks and moved back in because Ocwen did not contact me. Ocwen had Utilities Turned off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am writing to dispute the response from the creditor Ocwen Loan Servicing, LLC. First of, this is a joint account that is being reported as an individual account- and this is my issue, Ocwen continued to report delinquencies on my account even after I attempted so many times to obtain information on the account to bring it to good standing. Their reason was I was not privileged to that information because the CO BORROWER on the account was in a BK yet they continued to individually report derogatory information on my credit. Additionally, even when I blindly made the payments, they always had the past due amounts inaccurate. For example : in their recent response they reported i was 3 months behind for the last 4 months of XXXX, XXXX, XXXX and XXXX of XXXX ; In XXXX of XXXX i did make 3 payments as reported to bring the account current but they still reported that we were 3 months behind in the month of XX/XX/XXXX, i would get inconsistent information and no help to clarify the outstanding balances provided from Ocwen. When I contacted Ocwen on XX/XX/XXXX regarding their recent response their agent told me it is because I was still 3 months behind yet that is not what they reported in the previous months. Many a time the statements mailed out did not reflect the correct outstanding balances and it was hard to confirm the correct amount because of lack of correct information or willingness to provide me with the account information. I do not agree with such business practices that is why am reaching out. I tried reaching Ocwen Research department fax # XXXX and I did not get any response from them. I appreciate your attention in this matter.
Company Response:
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: After 3 attempts to refinance loan thru Ocwen. I have emails XXXX, XXXX, XXXX. Without notice to myself and XXXX XXXX they sold my house and I owed $ XXXX Sold for $ XXXX. I had a new loan lined up with a family member, to sell the house when prices peaked like they did 8 months later. House sold for $ XXXX I have not recieved any . I have attempted contact. Have recording of contact and no response.
Company Response:
State: WA
Zip: 98366
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen has referred me to a company for foreclosure. That company is XXXX XXXX , XXXX of Atlanta, Georgia. I use the auto pay system that my bank provides. I have been making my payments to Ocwen however they have been sending them back. In XXXX my checking account was hacked and the mortgage payment did not go out as scheduled. However, I sent it out immediately after the Credit union issued a new checking account. I keep sending in payments and Ocwen keep returning them. Now they said they are going to foreclose. Also they failed to maintain my escrow account properly and did not pay the Insurance company the correct insurance. I had a house fire and found out that Ocwen failed to pay coverage to rebuild the house. They lowered my policy over {$10000.00} and my mortgage was more than the coverage and I was left without enough coverage.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Ocwen Loan Servicing, LLC sent correspondence entitled " Friendly Reminder Notices '' to my wife and I dated XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( see attached ) ; however, during this time, we were set up on direct withdrawal from our joint checking account in which two ( 2 ) payments each month ( in order to pay the Mortgage sooner ) were auto-deducted from our joint checking account and paid directly to Ocwen Loan Servicing, LLC. Through correspondence dated XXXX and XXXX from a company called " XXXX '' offering to provide loss mitigation assistance ( see attached ), it appears that Ocwen Loan Servicing, LLC reported our mortgage loan as delinquent to this and or other companies. Again, our mortgage was paid twice per month through auto-deduction from our joint checking account. Ocwen Loan Servicing, LLC sent correspondence purporting to be a past due notice dated XXXX ; however, again, our mortgage was paid twice per month through auto-deduction from our joint checking account.
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2019-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A