Date Received: 2019-04-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: IN THE PREVIOUS COMPLAINT WITH CFPB REGARDING THE FACT THAT I PAID AS DIRECTED BY OCWEN FOR THE XXXX MODIFICATION FROM XXXX, XXXX EVERY MONTH, {$660.00} PER MONTH, UNTIL XXXX, XXXX. OCWEN CLAIMS THAT A PERMANENT MODIFICATION WAS SENT IN XXXX, XXXX. IN FACT, OCWEN DID NOT SEND THE PERMANENT MODIFICATION. IN FACT, THE PERMANENT MODIFICATION WAS SENT BY AN UNKNOWN LAWYER FROM AN UNKNOWN COMPANY THEREFORE IT WAS NOT RECOGNIZED AS A DOCUMENT COMING FROM OCWEN. THIS IS MORE EVIDENCE OF THEIR ILLEGAL ACTIVITIES. THIS LAWYER WAS NOT ASSIGNED TO THE LOAN UNTIL XXXX, XXXX. OCWEN REFUNDED THE PAYMENTS FOR THE MONTHS OF XXXX, XXXX, XXXX AND XXXX, XXXX. REFUNDS ARE NOW DUE FOR XXXX, XXXX, XXXX, XXXX AND XXXX, XXXX. THEY CAN NOT BE APPLIED TO THE LOAN.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: Remember me, OCWEN? Complaint # XXXX " Simply put, we were " OCWENed ''. OCWEN told us not to make payments while we were going through their in-house modification program. AFTER we applied, we were notified that OCWEN does not modify second mortgages. But you know what OCWEN does do, they will foreclose on a second mortgage, which is exactly what they did. My bride and I were out of the country when OCWEN sent us certified letters, notifying us of the foreclosure they were pursuing. We never received those letters because of how long they were in our PO Box , consequently those letters were returned ( which is on record ). But we did receive an eviction notice in XXXX, after OCWEN was actually successful with foreclosing on our home. Wrapped up lawyers expenses, destroyed credit, and unable to get a credit card or refinance our first mortgage, OCWEN is slowly financially killing us. '' In the last complaint, OCWEN gave a snarky ( CFPB public ) response of ; " XXXX XXXX informed Ocwen that you would not be able to make the increased payments, and the calls resulted with Ocwen providing XXXX XXXX with information as to the process of applying for a loan modification. Ocwen agreed to set up an appointment with a Relationship Manager to further discuss the issue, but I can find no evidence that anyone from Ocwen instructed either of you to default on your loan to qualify for a loan modification. '' Loan Modification? I can find out if I qualify for a loan in 15 minutes.It took OCWEN 2 months to figure out that as a 'loan servicing ' company - OCWEN is not allowed to modify second mortgages??? This part of their strategy to foreclosure. That was cute, until I actually found video of the phone conversation where OCWEN did in fact tell us NOT to make payments. ( I began recording our interaction because the whole process seemed so shady ) Well, we took OCWEN to court, won, and OCWEN is still not fulfilling the obligation spelled out in settlement agreement, which includes credit restoration. I am happy share this video with anyone interested, and how we beat OCWEN in court.However, just because we won in court, doesn't mean that OCWEN will adhere the settlement agreements.We live in Alaska, OCWEN is based in Florida - apparently they don't feel obligated to rules and the judgement agreed upon in Alaska.This case was settled on XX/XX/XXXX, and OCWEN still has done nothing to repair our credit with the reporting agencies - and this was agreed upon as terms of the settlement.They kicked this can down the road for 4+ years and are still dragging their feet.There have been talks back and forth with lawyers, but absolutely zero results.This is not rocket surgery - it should take no more than two days to speak with the 4 major credit reporting agencies and remove the default ( that OCWEN strategically placed while we going through loan modification, ensuring that we could not refinance with any other institution. ). These evil people are ruining hard working families, and doing so with no remorse and what appears to be no consequences for their illegal activity.
Company Response:
State: AK
Zip: 995XX
Submitted Via: Web
Date Sent: 2019-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Im trying to get a negative mark removed from my credit report that was reported by Ocwen Loan Servicing. I have been trying for the past few months. Twice I have spoke to different escalation managers and twice my request was turned down. This is ridiculous. The facts are simple. My ex wife got our residence from our divorce. In our paperwork it clearly states she was the sole owner and solely financially responsible for the mortgage payments on the residence. Stipulation of Settlement was executed on XX/XX/2018 by the Honorable Judge XXXX. The late payment to which I am referencing was reported for the month of XX/XX/2018. Clearly after all papers were signed. The below references relate to the Stipulation of Settlement from our divorce. Page 13 letter K Unless expressly provided in this agreement, the party receiving the particular asset, whether tangible or intangible, shall assume any and all liabilities associated with the ownership of such asset, and shall indemnify hold the other party harmless of any and all such liabilities. Page 15 letter B The wife shall remain in and retain sole ownership of the residence. Page 16 letter C from previous page 15, The wife shall indemnify and hold the husband safe harmless and satisfied with respect to the Ocwen Mortgage now and forever. This is pretty simple case. My ex wife assumed the home and the Mortgage solely on XX/XX/2018. On that date I lost all interest in the residence and was no longer obligated to legally pay the mortgage. The fact my name wasnt removed from the mortgage loan was a technicality and that it was being worked on to be removed. Our Judgement of Divorce Papers were signed by the Honorable Judge XXXX on XX/XX/2018.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2019-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am default on the Mortgage Payment 4.8 month. the break down is as follows : XX/XX/XXXX {$1100.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} _________________________________ Total Balance Due : {$7100.00} _________________________________ I send two partial payments that total more than the outstanding balance due. 1st Partial payment : {$4200.00} Received by Ocwen ( XXXX XXXX ) XX/XX/XXXX 2nd Partial payment : {$3200.00} Bank Check Received by Ocwen Express Mail _______________________ on XX/XX/XXXX. Total Payment Send : {$7400.00} Ocwen Decline to accept the payment return XXXX XXXX Payment ( see attached Ocwen letter dated : XX/XX/XXXX ) Ocwen Accelerated Loan the balance to XXXX. I was not offered the opportunity to re-instate the past due balance. Ocwen just referred my Account to XXXX XXXX, LAW OFFICE which fail to send 90 Notice Intent to Foreclose. Ocwen & XXXX XXXX are in partnership to cheat owners out of there home with low mortgage balance in order to make a profit and add aggressive interest on the account.
Company Response:
State: NY
Zip: 11433
Submitted Via: Web
Date Sent: 2019-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We submitted a complete loan modification package with Ocwen Loan Servicing on our home mortgage. The response we received from Ocwen on XX/XX/2019, was a blanket denial stating that " The owner of your loan does not allow modifications. '' We know this not to be the case. In fact, the owner of our loan, XXXX XXXX, does allow modifications. While certain of its securitized trusts may have investor restrictions, a waiver can absolutely be granted if requested. Yet to our knowledge, Ocwen failed to request a waiver so that our package could be considered on its merits. We are both gainfully employed, demonstrate sufficient income to resume mortgage payments, and would welcome the opportunity to bring our loan current and save our home. It is worth noting that XXXX Co of XXXX XXXX once remarked in a XXXX article that waiver requests from servicers " never happen. '' XXXX XXXX XXXXXXXX We would greatly appreciate if the CFPB would look into this matter for us and assist with our appeal in any way possible. Thank you.
Company Response:
State: FL
Zip: 33308
Submitted Via: Web
Date Sent: 2019-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I had a loan mod at 3 % which went up to 3.65 % last year. I requested a loan modification, and th bank sent me an offer that raised my mortgage by almost {$1000.00}, I was assigned an account rep with poor English and little understanding of finance, who badgered me with phone calls, saying that I was the one who had requested increased payments, and wouldn't listen when I explained that I expected to get a LOWER offer. I nerve agreed to a modification and never signed any paperwork. The bank began charging me a higher payment, and I continued to pay my regular amount. The bank did not deposit my payment for several months, and when they did, they said my payments were short, charged me fees and have marked me as delinquent. I filed a previous complaint, and the bank sent a letter saying that none of this happened. I am attaching my payment history and statements from the last 3 months to prove that it has.
Company Response:
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2019-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I want to express my frustration with working with OCWEN on a Loan Modification to save my house on due to my hardship situation. Not only have they made the situation difficult for me, I feel like they have not cooperated in helping assisting me in keeping my house, the house that I have work so hard to keep. It all started in XXXX of XXXX with a simple request of a Loan Modification. I was facing a small Hardship that caused me to fall behind on my payments for the house. My household income was decrease for a bit due to the fact that the commission I was receiving was shorter that what it previously used to be at. I could not pay the month of XXXX on time and next thing I knew I felt behind on my mortgage. I did not mean to fall behind on my payments, I am very responsible woman, and try my best to satisfy the obligations of my monthly bills. I requested a Loan Modification back in XXXX and was Denied on XXXX of XXXX just with the simple fact that the investor did not want to participate in the Loan Modification. They kept sending me letters to help me out with a Loan Modification to save my house, they kept sending letters that the file will be reviewed for a Loan Modification. I send my loan modification package to be reviewed by them, they open a template, have the file be reviewed by the underwriter, and then deny my file for a loan modification because the investor does not want to participate on the Loan Modification. I don't understand why would they not want to participate in the Loan modification. I want to do right by them and get an approval and start making payments on the Loan I have under my name. Then they managed to scared me even more by sending me a letter that a Foreclosure proceedings was going to be initiated due to the fact Im not paying the mortgage, its not my fault im not paying the mortgage, its your fault, because once I saw I was in a hardship, I requested help, you started to help me, and then turn around and said no. Its not fair for me as a consumer. I want to save my house, I have the money to pay my monthly payment. They send over another letter that they can help me, and next thing you know, I provided the documentation to have the file be reviewed for a loan modification, they open a template, have the file be review, and then I get a denial for the same reason. I don't think this is fair for me.I need the help, you start to offer it and next thing you know deny my help. I want to do what is right for both us as a consumer and you as a bank. I know I qualify for a loan modification, I know I can save my house, I know I can eliminate the foreclosure, but I need your help, its just not fair for me that I work so hard with you, comply with everything that you needed, and next thing you know, you just want to deny my case and proceed with a Foreclosure to try to take over my house. Its just not fair at all.
Company Response:
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2019-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I missed some tax payments and let insurance lapse which accumulated to over XXXX dollars for which we and Ocwen Loan Servicing were to work out a repayment agreement in or around XXXX of 2018. I completed a budget worksheet to determine how much monies i could repay them monthly, i did receive a letter stating that the repayment plan was approved and that i need to send back the contract signed and the first installment however as i have been calling Ocwen every month in the first week only to be put over to someones voicemail and to never get a return call, I keep telling them that i never actually recieved an actual contract to sign and return back and no one is calling me back or has attempted to send me another contract so i have been sending them XXXX per month but my checks never get cashed or even returned. so I pay my housing insurance and my taxes and i keep sending those checks hoping this isnt going to happen but i think it is because no one will get back to me or give us a chance to complete a repayment plan. I have even sent them notices stating this via tracked mail. i have tracking numbers that they have been recieved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2019-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-24
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We purchased our home in XXXX CT in XXXX with a XXXX XXXX. In XXXX we refinanced with XXXX XXXX via a local real estate company, XXXX XXXX. Mortgage was assigned to XXXX In XXXX and to GMAC in XXXX. We refinanced with XXXX XXXX XXXX in XXXX and paid off that mortgage in XXXX. We are applying for a Home Equity Line of Credit and can not qualify because GMAC never filed a release of that mortgage when it was refinanced with XXXX resulting in an old lien on the home. Attorney who handled all transactions is dead and his records from that time dont exist any longer. We have no proof of payment to GMAC. XXXX says its not their problem. Title Insurance cant cover since its a mortgage we imposed. GMAC doesnt exist anymore and XXXX, who took them over, hasnt responded to request to research/inquiry. We have a real estate attorney who is exploring options to resolve but as yet he hasnt met with success.
Company Response:
State: CT
Zip: 06611
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My wife and I refinanced our home in XX/XX/XXXX by way of a {$70000.00} simple interest note from XXXX XXXX, which later became XXXX. Servicing was transferred to XXXX and finally to Ocwen. My wife recently passed away and I am on XXXX from the XXXX. Nonetheless, I have never missed a mortgage payment. The loan has very rarely been late and, if so, only a few days. Often its paid a few days early. The promissory note says : I will pay this loan in 240 payments of {$560.00} each payment. My first payment is due XX/XX/XXXX and all subsequent payments are due on the same day of each month after that. My final payment will be due on XX/XX/XXXX, and will be for all principal and all accrued interest not yet paid. I am told that despite making all my payments timely under the note -- - I will still owe around {$5000.00} after making my last scheduled payment in XXXX. At one point, the payment due date changed to the XXXX of the month. I telephoned Ocwen in XXXX XXXX and requested a payment history. I am uploading the following documents : a ) mortgage b ) promissory note c ) XX/XX/XXXX letter from Ocwen responding to notice of error d ) Payment history provided by Ocwen I believe one of two things have happened : This loan was at one point, perhaps when it was with XXXX, was converted to a fully amortizing loan and Ocwen failed to account for this and misapplied all the monies I paid on the loan resulting in an over collection of interest which is resulting in a principal balance that is not actually owed. Alternatively, if the loan was not converted, Ocwen may have otherwise boarded the loan incorrectly with flawed data when it acquired it or maybe when it changed the due date. Or maybe it has made some other mistake. Whatever the case, I made all the payments as required but I am told that I will still owe {$5000.00} or so after making the final required payment. Please process my complaint and help me resolve this issue.
Company Response:
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A