Date Received: 2019-04-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: OCWEN must be the worse mortgage servicer in the industry. We have tried to work with them for over a year to cure our delinquent mortgage payments, but we are just getting the runaround from them. They lose our documents, are hard to understand and denied our request for assistance because they can not get their process straight. We suffered through some serious financial trouble when natural disasters crippled my husbands income and we had no choice, but to fall behind on our mortgage payments. We quickly recovered financially, but OCWEN has never attempted to work with us to get our loan current. They have never assigned a single point of contact and we continually are speaking with their representatives in XXXX. We can not understand them and their process has major problems. For over six months I sent them every document they want, but they say they never received the document and my file kept getting kicked out of review. When I finally got someone to look at my file, they advised that I already had on modification and there was nothing they could do. We have an FHA loan and I did get a modification in 2012, but I believe that HUD allows for a new modification every two years on home mortgages. We are certain that our FHA loan qualifies for mortgage assistance and want someone from your agency to get them to work with us to save our home.
Company Response:
State: FL
Zip: 33755
Submitted Via: Web
Date Sent: 2019-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Interest rate on second mortgage increased, auto payment was not increased by lender. XX/XX/2013. Problem was fixed, after intervention by CFPB. Negative report was re-added to credit history last month.
Company Response:
State: CO
Zip: 80130
Submitted Via: Web
Date Sent: 2019-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am a cosigner with my mother on a mortgage. My mother lived in the house and paid all of the bills, I just helped her get the loan. She has XXXX XXXX and will be moving to a facility but right now she resides with my sister in North Carolina who takes care of her. My mother cant move into a XXXX XXXX facility until this house is taken care of or they will take the house away. For 2 years I have been trying to do a short sale with OCWEN and have lost 3 buyers because OCWEN refuses to do the sale. Every 2 weeks they request the same documents and within 24 hours the same documents are provided to them. They do not ask for anything new just an monthly updated version of what was already given. I have an attorney XXXX XXXX that has also trying to get this do as well as the foreclosing attorney for OCWEN ( who works for OCWEN ) and between all of us OCWEN still will not close. I am about to loose yet another buyer because OCWEN giving us the run around. The stress that this has put on not only my mother but my sister how can not continue to take care of my mother any longer, and me because I am trying to do everything by the book instead of letting it go into foreclosure. My family is being pulled apart be this. Not to mention my credit has gone to XXXX because I have been dealing with this for way over 2 years. I need something to be done, please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2019-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ocwen Account No. XXXX I recently pulled my credit report and discovered that my mortgage account with Ocwen is reporting my account as being adverse and delinquent when it is not. According to Ocwen, they claim it is being reported accurately. However, when you look at my credit reports, the Ocwen account is being reported as delinquent every month by all of the credit bureaus, when it is not. Ive repeatedly asked Ocwen to fix this problem by removing the wording in the remarks section. In the remarks section for each and every month, Ocwen writes, BANKRUPTCY DISMISSED. By making this adverse notation, it incorrectly appears that I am filing for bankruptcy each and every month, which is not the case. This adverse remark should not be appearing on my Ocwen account at all. They had nothing to do with any bankruptcy. It is also being reported as one month late when it is not. There should be no late reporting. Consequently, the Ocwen account is showing the account as delinquent when it is not. I am requesting that Ocwen delete the remarks on my credit report immediately.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Good Morning, My name is XXXX XXXX, phone # XXXX, email-XXXX. Ocwen Mortgage Loan # -XXXX and XXXX XXXX Loan # XXXX. I am currently on XXXX XXXX with a fixed income. I have completed a Loan Modification with my previous mortgage company ( Ocwen Mortgage Services ) and a decision was made which I accepted due to not wanting to lose my house and also did not completely understand their terms and conditions. However, I was concerned with the huge difference with the mortgage principal and contacted Ocwen immediately. A representative told me to provide document indicating the difference. I was not able to locate the document immediately and when I did, Ocwen eventually sold my mortgage to XXXX XXXX XXXX effective onXX/XX/XXXX. I contacted XXXX XXXXXXXX XXXX and provided them with the1098 tax form for the year XXXX that I received from Ocwen Mortgage Services. The XXXX tax form from Ocwen indicates- Principal balance {$270000.00} as of XX/XX/, while XXXX XXXXXXXX XXXX indicates- {$400000.00}. The modification agreement also indicated-balloon payment in the year XXXX of {$290000.00}. There is also an adjustable rate.I have Attached copies of the Loan Modification documents that I requested and received from XXXX, the 1098 tax form for the year XXXX, XXXX XXXXXXXX XXXX monthly statement, and the letter I wrote to XXXX regarding the huge difference in the Principal balance. Please help with this issue, this is all I have. Thanking you in advance. Looking forward to hearing from you.
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX my sister died in a house fire that had a reverse mortgage from OCWEN and the house was a total loss. XXXX had taken {$38000.00} out of the {$100000.00} line of credit provided by OCWEN. I got a heloc loan against my home to allow me to pay off OCWEN through XXXX XXXX. When I called OCWEN on XX/XX/2019 to ask for the amount of the payoff and payee information for XXXX XXXX to send the check they told us that there is a " process '' to obtain that information which can take up to 90 days to provide and could not be provided to me at that time. They requested a copy of the will, death certificate, and change of address letter which I emailed them and faxed them that day. The next day, my friend and I called again on XX/XX/XXXX at XXXX XXXX PST and again were told it could take up to 30 days to get the payoff and payee information to us. My friend XXXX said " then since you won't provide us the address to send a check to, you must suspend any further interest charges at this time ''. She said, " NO, that's not how this works. We will continue to charge interest over the month. '' XXXX said that we want to know the payee information now so that we can at least pay off the amount due as of the last statement from XX/XX/XXXX to prevent interest accruing. She again stated " that's not how it works, you can't do that ''. He said we are recording the call and you are refusing to allow payment on the account. She said " no, I am not but we have a process and you have to follow it '', but still refused to provide payee information. After that, he told her that we are providing a recording of this call to our lawyer that afternoon, she then said " if you have your lawyer send us that payout request to the following email addresses, on business letterhead then we can get it to you in 7 days but you will still be charged the full month of XXXX for interest, etc. '' We have had our attorney XXXX XXXX send them the request for payoff information. In the meantime, over the weekend the next day, I received a letter dated XX/XX/XXXX ( same day of first contact in which they learned the house was burned ), stating that an unspecified inspection ( no detail of who did it or when it was done ) on the property was done and it was found " vacant and unsecured '' however the property was boarded up by XXXX the day following the fire being put out by the fire department and has been secured ever since so this is a false report. The letter goes on to say you must call us within 10 days of this letter to confirm security or we will secure it at your expense. We are still awaiting the payee information and are able to pay not only the amount we know is due but the next months charges in full at which point they can owe us a refund of any over payment. We have been asking who to pay and how much for over a week now but they refuse to provide that information while continuing to send threatening letters about foreclosure proceedings, and other harassing notifications. Please assist us in investigating them and forcing them to provide us the information we seek in order to get them paid and remove their lien holder status from the property so we can move forward with repairs. Thank you for your prompt attention to this matter. We have all documents related, notices, and the recordings of conversations which can be provided to you upon request.
Company Response:
State: ID
Zip: 83815
Submitted Via: Web
Date Sent: 2019-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: 1 ). Ocwen breached an existing 5 year loan modification payment plan without any warning or explanation - forcing me into foreclosure ; 2 ). Ocwen has " lost '' many of my submitted loan modification applications ; 3 ). Ocwen has denied / refused to accept my loan modification application saying " it's too late '' ; 4 ). Ocwen has placed " forced '' escrow accounts with respect to property insurance and taxes without my consent - forcing me into foreclosure ; 5 ). Ocwen has caused a wrongful foreclosure to be placed against my home where i have lived with my family for the past 19 years which has placed great emotional distress against myself and my family
Company Response:
State: CA
Zip: 92692
Submitted Via: Web
Date Sent: 2019-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I filed Chapter XXXX Bankruptcy in XXXX that's has been Discharged, in which I surrendered a residential property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX back to Ocwen Loan Servicing LLC. Ocwen Loan Servicing refuses to remove my name from the deed of the property. So the City Tax office still have me as the owner of the property and billing me for the up keep of this property.
Company Response:
State: TX
Zip: 78109
Submitted Via: Web
Date Sent: 2019-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I made my typical monthly payment to Ocwen on XX/XX/XXXX only to have it returned to me in XXXX. When I called to find out why they sent me a check for the same amount of XXXX they stated my loan was due to be paid off by XX/XX/XXXX which I was not aware of. I asked them how this would impact my credit since I did make the payment and they said it most likely would show delinquent. I ended up wiring the payoff amount immediately after finding out it was due for XXXX on XX/XX/XXXX. I just checked my credit history and it is showing delinquent for not only XXXX but for XXXX too. I have attached screenshots from XXXX to show payments were received and therefore should not be delinquent for both months.
Company Response:
State: IN
Zip: 469XX
Submitted Via: Web
Date Sent: 2019-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On my credit report a reported balance of {>= $1,000,000} was reported on XX/XX/2019 by Ocwen Loan Servicing LLC to the credit bureaus. The information is false. I never got a loan from Ocwen Loan Servicing LLC.
Company Response:
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2019-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A