Date Received: 2019-04-24
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I received the document stating this case was closed so I talked to one of your associates on the phone and told her ocwen does not have the 1099 form for XX/XX/2018 when I have proof they sent it to me thats why I did the complaint over with the forms proving they sent me a 1099 form which they can not find that they sent me and I had to claim it on the amount they forgave me which I owed federal and state almost {$13000.00}
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2019-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am a homeowner, financed by Ocwen. I lost my job in XXXX, applied for mortgage assistance and XXXX ; both through Ocwen. After many tries, an intent to forclose was filed. Months later a trial modification was approved for XX/XX/XXXX ; which continued payments through XXXX. After this period the modification was denied. About 3-4months later, Ocwen called to say they would reconsider a newly filed application. This was approved for trial XX/XX/XXXX ; and to resume payments. XX/XX/XXXX Ocwen told me that FHA Regulations would not allow for modification. Each arrangement ended with a refund of mortgage and overpayment of escrow. I am now facing forclosure again. I have been working with HUD counselors throughout the process. Please advise me. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21214
Submitted Via: Web
Date Sent: 2019-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: i filed individual chapter XXXX bankruptcy with help of attorney on XX/XX/XXXX, after mortgage servicer charged off alleged construction line of credit in XXXX ( and attemp to forclose my property twice in XXXX ) i filed individual chapter XXXX bankruptcy to find out who should i pay. while i was paying monthy payment during chapter XXXX bankruptcy per chapter XXXX trustee order, bankruptcy converted to chapter XXXX without any reorgonization meeting. ( and right away {$91000.00} transfered to trustee account from XXXX checking account withou my consent or knowledge ) while i was disputing and motion of appeal pending and mortgage servicer withdrawal its claim i evicted by XXXX point at me on XX/XX/XXXX by us marschal per BK judge void order exampt, husband and wife tenancy done on XXXX and avoided in bankruptcy court without due process of law and without my husband be party in bankruptcy case and he got partial judgment on XX/XX/XXXX ( void judgment order lack proof of claim and,,,, ) per 3 credit reports bankruptcy dismissed on XX/XX/XXXX with {$0.00} claim, {$0.00} liability
Company Response:
State: DC
Zip: 20010
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I called my loan servicer Ocwen Mortgage on XX/XX/XXXX to let my Relationship Mgr ( XXXX XXXX ) know I was making a full mortgage payment via wire transfer at XXXX XXXX XXXX XXXX but, my normal relationship mgr was not available and had starting missing scheduled appointments, even on XX/XX/XXXX. The other Relationship Mgr ( RM ) told me not to wire the mortgage payment and to make the payment over the phone for free to avoid the wire fee but I told the RM that my father was already in the bank ready to wire the payment but the RM insisted on paying over the phone. This was a 3-way call with my father, the RM and myself. My mortgage payments were more than 60 days late but, less than 90 days as discussed with the RM. I had informed the RM that my new employment started on that coming Monday, XX/XX/XXXX, and that I would catch up on my mortgage payments. As my father started reading the bottom of his check, I interjected after he finished reading the routing number and told the RM not to include the check number, and the RM immediately and rudely said, " Ma'am Be Quiet ''! After, my father read the numbers on his bank account, the Ocwen RM told my father and I that the Bank Number went in correctly and emailed my Receipt of a full payment and also sent a receipt through the USPS mail. Then about 5 days later Ocwen sent a letter dated XX/XX/XXXX stating that " Your Payment was Returned Unpaid '' ; and that " The payment we received on XX/XX/XXXX for {$1600.00} was returned unpaid by the bank. '' I contacted XXXX XXXX XXXX XXXX and their Clearing House and they have no record of Ocwen even attempting to process a payment on or after XX/XX/XXXX. The XXXX XXXX XXXX associate told me, even if Ocwen Mortgage had included a check number with the account numbers for payment, XXXX XXXX XXXX would have still processed my mortgage payment. XXXX XXXX XXXX recently sent a letter dated XX/XX/XXXX, that XXXX is the new servicer for this account and collecting payments ; gave new XXXX loan account #. I have supporting documents to proof Ocwen Mortgage 's fraud. Even after Ocwen made me delinquent purposely on my mortgage, Ocwen refused to take my full mortgage payment. Since XXXX until presently, I continued to receive disingenuous information from Ocwen Mortgage about modifications, the loan process, trying to pressure me to sign new loan documents with a higher interest rate and/or a balloon payment, etc.
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2019-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: That this is the 3rd Complaint on OCWEN, XXXX XXXX XXXX and the 2nd on XXXX XXXX. That I have been told by the IRS to ignore a 1099 filed by OCWEN With the following evidence that has been filed with the IRS that is attached. That the following information and all other information needs to be given to XXXX XXXX XXXX 1. Any and all loan information that shows that XXXX got a loan from OCWEN. 2. Who is involved with and all information, documentation of the agreement with XXXX XXXX to harass and purchase the home in a short sale, when the home is in the name of XXXX XXXX XXXX XXXX XXXX et al XXXX yet XXXX XXXX XXXX and OCWEN 's attorneys want XXXX to short sale after a foreclosure? 3. How long and how many deals they have done in this fashion? XXXX XXXX XXXX XXXX. XXXX VA XXXX XXXX XXXX XXXX ( XXXX ) XXXX FRAUD - XXXX XXXX XXXX Back Securities that do not exist / a Bait & Switch type Enterprise / Scheme by XXXX XXXX XXXX XXXX. and OCWEN XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX of XXXX XXXX asks XXXX Are you interested in a short sale XXXX stated clearly NO and then asked by XXXX XXXX if I had gotten a recent call about selling the home you will notice this TEXT sent XX/XX/XXXX. XXXX as he states has contacted me in the past and even had been given my daughters phone number in the past. The Question Becomes : XXXX XXXX by lawyers and WHO ELSE harassing and forcing short sales on illegal foreclosures XX/XX/XXXX Phone call between OCWEN, XXXX XXXX XXXX and XXXX XXXX XXXX aka XXXX XXXX XXXX Virginia, XXXX, where OCWEN informs XXXX XXXX XXXX and XXXX XXXX XXXX acknowledge that on or around XX/XX/XXXX they had received notice from OCWEN not to foreclose. They then received from the Investor that no matter what they were to foreclose - ignoring what ever OCWEN said. XXXX : XXXX? XXXX & XXXX On XX/XX/XXXX OCWEN Loan Servicing held an illegal foreclosure on XXXX XXXX XXXX XXXX, XXXX VA XXXX. The property owner then and legally still today is XXXX XXXX XXXX. Video XX/XX/XXXX The foreclosure XXXX XXXX XXXX XXXX On or around XX/XX/XXXX a Trustee Deed was filed on the property that XXXX XXXX XXXX XXXX XXXX , as Trustee for XXXX XXXXXXXX XXXX XXXX XXXX XXXX , Asset Backed Certificates, Series 2005-2 Trustee for XXXX XXXXXXXX ( Mtg Back Security does not exist ) see attached On or around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX would file in the courthouse of the City of XXXX in response to a Subpoena by XXXX that they had no interest in this foreclosure or this home - see attached On or around XX/XX/XXXX XXXX received from OCWEN a Fraudulent 1099-A Acquisition or Abandonment of Secured Property Information Returns that stated they OCWEN not Servicing, not LLC only OCWEN is / was the lender on the loan ( OCWEN on its own does not exist as an entity ). The IRS has deemed this 1099 from evidence presented to be FRAUDULENT and has told XXXX XXXX XXXX to ignore such 1099 while Criminal Investigation is starting. See attached - It should be noted XXXX XXXX XXXX is still in home. OCWEN Entities found : Ocwen Loan Servicing, which is licensed to service mortgages in the state, used unlicensed affiliate offshore companies to perform activities considered residential mortgage loan servicing. Ocwen Financial Solutions Private Limited, operating out of a location in XXXX, and Ocwen XXXX XXXX, operating out of a location in the XXXX, to conduct servicing activities on residential mortgage loans. VA XXXX states OCWEN is Licensed as : XXXX OCWEN XXXX XXXX, XXXX. XXXX XXXX Active XXXX OCWEN XXXX XXXX XXXX, XXXX. XXXX XXXX Active XXXX OCWEN XXXX XXXX XXXX XXXX XXXX XXXX Active XXXX OCWEN LOAN SERVICING, LLC XXXX XXXX XXXX XXXX Active OCWEN filed a 1099-A Acquisition or Abandonment of Secured Property with the IRS where Ocwen was not a secured creditor. Ocwen Financial Corporation is a provider of residential and commercial mortgage loan servicing, special servicing, and asset management services, which has been described as " essentially debt collectors, collecting monthly principal and interest from homeowners ''. Ocwen is headquartered in XXXX XXXX XXXX, Florida, with additional offices in XXXX, Texas, XXXX, Florida, XXXX, Texas, XXXX XXXX, California, XXXX XXXX, XXXX XXXX XXXX, and Washington, D.C. It also has support operations in the XXXX and XXXX. Ocwen under 26 U.S.C. 7434 willfully filed fraudulent 1099 information returns with the IRS 26 U.S.C. 7434. Civil damages for fraudulent filing of information returns. That OCWEN never lent any money to XXXX XXXX XXXX thus suffered no financial loss and was not a secured creditor under any state property laws. That the XXXX XXXX and OCWEN acting as the Servicer at all times stated clearly that XXXX XXXXXXXX XXXX was the lender and or XXXX XXXXXXXX XXXX XXXX XXXX, as Trustee for XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Asset Backed Certificates, XXXX XXXX Trustee for XXXX XXXXXXXX ( Mtg Back Security does not exist ) see attached. OCWEN separately or in concert with one another, engaged in a scheme to defraud in which, acting knowingly or in deliberate ignorance of, or with conscious disregard of, the truth, they made false and misleading representations and omissions of material facts to investors and rating agencies. In pursuit of this fraudulent scheme, the Defendants repeatedly engaged in dishonest and deceitful actions that deprived investors of something of value. OCWEN had an intent to defraud XXXX XXXX XXXX acting with an intent to deceive and in contemplation of actual harm to the property interests of XXXX XXXX XXXX, they made false and misleading representations and omissions to XXXX. When they made these representations and omissions, OCWEN et al knew that their statements were false, or else they were aware of a high probability that their statements were false and they consciously avoided confirming that suspicion. OCWEN also knew at that time that a necessary consequence of their fraudulent scheme, if it were successful, would be injury to XXXX XXXX XXXX, and they consciously intended for this injury to occur.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I XXXX XXXX XXXX had a Mortgage with Ocwen Loan Serving, LLC the last payment received from XXXX XXXX was on XX/XX/17 this payment didnt include a debt withdrawal of XXXX onXX/XX/2017 .. this payment was never made to Ocwen or has it been returned .. Ocwen failed to provide pay- off information to equity accelerator or stop these payments.. I myself had to stop payment with my financial institution too stop these unauthorized payments.. after loan should have been paid in full.. we were required to pay ahead a month before the first month of starting this program..so in XXXX XXXX we meet those requirements.. not XXXX or XXXX ..My wife XXXX XXXX was authorized to talk on my be-half on these time frame with both of these companies.. I already authorized her to do so ...
Company Response:
State: OR
Zip: 97080
Submitted Via: Web
Date Sent: 2019-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX ocwen loan service sent escrow bill the bill states taxes for XX/XX/XXXX I XXXX XXXX do paid all my taxes to XXXX county tn and all my taxes are paid. I contacted XXXX at XXXX county tax she state ocwen did no paid any taxes for XXXX on XX/XX/XXXX and the statements for XXXX and XXXX have not been bill. I just remodify my mortgage and I do not owe ocwen for taxes .ocwen will not fix the issued.ocwen should be banned and ocwen mortgage license should be suspended in Tennessee and all ocwen mortgage account should be audit and all money return to all customer.
Company Response:
State: TN
Zip: 384XX
Submitted Via: Web
Date Sent: 2019-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/2009 XXXX XXXX FILED A FRAUDULENT FORECLOSURE COMPLAINT I HAVE NEVER HAD A LOAN WITH XXXX XXXX ... XXXX SEE ENCLOSED DOCUMENTS FOR DETAILS AND EXAMPLES AND OR EXHIBIT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We have been ill and tried to keep up. We filed a Chapter XXXX in XXXX and were paying regularly. In XX/XX/XXXX the payment suddenly rose from a manageable {$1400.00} to {$3200.00}. We are both on Social Security+ pension and our total per month is {$2700.00}. We asked our Attorney { XXXX XXXX from XXXX, PA ] how and why. He said 'because they can ' and that we would need to find a way to pay it! We couldn't and we had to suspend our plan in XX/XX/XXXX. The total mortgage owing was {$61000.00} at that time. Our loan servicer was OCWEN. They have refused to work with us in any way. We couldn't even pin them to a mortgage amount and our attempts to pay resulted in the checks returned. We attempted to get another Attorney to help and all required ~ {$5000.00} retainers! Now they have 'foreclosed ' and we just received an 'ejectment ' notice! We built this home 25 years ago, we are elderly and ill. We need HELP!!! Please help us to stay here. I guess we'll need some type of stay until we can secure a loan to start a 'buy-back? I will also appeal to XXXX for some help.
Company Response:
State: PA
Zip: 16335
Submitted Via: Web
Date Sent: 2019-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account is reporting incorrectly. I never payed late and this is reflecting a 30 day late payment. On XX/XX/2017. it is actually reporting a lot of inaccurate information which i have circled on a copy of my 3 reports which i have attached to this complaint. Please remove the late payments this is hurting my ability to obtain credit, and report them as paid on time. Thank you
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2019-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A