Date Received: 2019-03-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: my complaint is that the company has not allowed me to resolve my problem they continue to file foreclosure notices driving what I owe up in fees. I am upside down with Facts : I am requesting the bank hold off until all the processes of modification request and other options are completed. I now have a steady income and can afford to keep my home. I am working with loan servicer Ocwen. They service the loan for XXXX XXXX. I have had to deal with people who sound like they are located outside the country. I do get a response and the representative is very polite ; but offers little or no help except repeating a script. I have called all the resources they offered, and the lines are not available any more. The present state of my loan is that I presented a modification request and a forbearance for a year. I can not afford a lawyer and am representing myself. Please take my complaint. FACTS : The bank has not afforded me any relive.Facts : 1 ) I build the home in 1982 on a lot that my father bought, a military veteran of XXXX XXXX XXXX. His name is on the original purchase of the lot where I built my home. 2 ) I have lived in the home as the primary and only residence for 37 years since 1982. I have paid taxes on the property and have filed it as my homestead. 3 ) The original paper work for the refinancing of my home was with XXXX XXXX, they sold my note to XXXX XXXX. The XXXX XXXX has denied my repeated requests for the modification of the mortgage loan ; to the point that I had to file bankruptcy. 4 ) I was dismissed from the chapter XXXX after losing my job that creating a hardship to keep up the double payments. I have asked for XXXX XXXX for a forbearance and I informed by XXXX XXXX I did not make enough money. I only owe XXXX in actual loan. The various fees drove up the owing amount to XXXX. 5 ) I have filed for a loan modification for the 4th time and hope that the process will help me keep my home. 6 ) The home is old and takes a lot of upkeep available my cash goes to maintenance and repairs, I keep the home because my dad bought me the lot. At present I have a XXXX son and XXXX XXXX XXXX children living with me. If XXXX XXXX goes through with foreclosure ; XXXX people will be homeless. I can not afford to keep payments for residence for my son and children.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78520
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I obtained a second loan for {$50000.00} on my property at XXXX XXXX XXXX, XXXX, California XX/XX/XXXX from XXXX XXXX XXXX. The length of the loan was for 120 months. I have attached a copy of that document. At some point the loan was sold to Ocwen Loan Servicing. I continued to make payments and was never late. In XXXX of this year, XXXX, I asked for Ocwen for a payoff quote for the loan. On my statements it showed a principal balance of {$410000.00}. I received a payoff quote of {$8700.00} cents. I asked why was the payoff amount was so different from the balance it showed me owning and I was told that when Ocwen took over the loan from XXXX XXXX, XXXX XXXX had failed to calculate the correct monthly payments so I owed the difference. I wired the payoff amount of {$8700.00} to Ocwen, on XX/XX/XXXX. ( see attached copy of the wire transfer ). I received a letter from Ocwen XX/XX/XXXX, ( see attached ) stating the loan was not paid in full because of the before mentioned issue with XXXX XXXX and actually I owed an additional amount of {$7100.00}. I don't understand how this is possible to go from a balance of {$4100.00} to owning over {$17000.00}. I never received a statement from Ocwen stating I owed this amount until I paid off the loan. I made a good faith payment of the payoff quote I received in XXXX. Please investigate Ocwen. I had asked for a explanation of these additional charges and was verbally told someone would get back to me. As of today, I have not heard from Ocwen. I have attached copies of my XX/XX/XXXX statement showing a avg daily balance of a little over {$4000.00}. My XX/XX/XXXX statement showed the same avg daily balance. Now XX/XX/XXXX latest statement is showing an average daily balance of {$10000.00}! That has to be an error, when Ocwen is now saying I owe {$7100.00}. They also appear to have changed and falsified the payment history which is different from the account history I had seen when I was making monthly payments. There was NEVER a balance of over {$17000.00} showing in XXXX. This balance was never reflected on my credit report or on any other documents.
Company Response:
State: CA
Zip: 908XX
Submitted Via: Web
Date Sent: 2019-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen offered a loan mod for years but never completed one until it was in Ocwen 's favor So I was forced to file bankruptcy Ocwen still pursuing debt even though I am covered by bankruptcy rules
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85260
Submitted Via: Web
Date Sent: 2019-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am in the process of applying for a loan modification. My loan requires a balloon payment of XXXX, as the loan has matured. I was told by a representative that I could modify. I have the ability to continue to pay under the previous monthly terms or a new refinancing. I just dont have the lump sum amount. During this process, I have offered to make the interest payments to keep the account current. They have refused payment, yet send me bills indicating that I should make a payment to reinstate the account. They are also reporting this on my credit report, making it impossible to finance through a third party.
Company Response:
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2019-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/2018 As every liable consumer i have done my regular mortgage payment, The bank by mistake sent my mortgage payment to totally different institution confirming me wrongly that my payment was received and paid to my mortgage company, unfortunately it wasn't. After 30 days I did my next payment never had an idea my payments weren't went through. I've got reported by my mortgage company with late payments. Long story short I called to credit bureaus XXXX XXXX, and XXXX Both XXXX and XXXX were cleared my credit report history with no any extra headache but XXXX won't clear. its been a year already still no luck with XXXX. Please give me an advice how to solve this issue i have all the legal documents, Thank You
Company Response:
State: CA
Zip: 93534
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Ocwen has been trying to foreclose my house even if I miss one payment On my credit report payment is {$590.00} But on the statement has inflated it by XXXX dollars Calls my phone twice a day and on weekends too at XXXX XXXX
Company Response:
State: NY
Zip: 14223
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: To Whom It May Concern, Our Mortgage Note was established pre Recession in XX/XX/XXXX, has now been sold several times and is currently with OCWEN. As homeowner, Authorized Signer and our Attorney, we have pro-actively been, and especially so over the last several months, been making effort to communicate with OCWEN and execute controllables in good faith towards rewriting this loan as we wish to save and stay in our home. Per their request, in order to validate and support our efforts and intentions, we have consistently provided OCWEN with income statements, reasons for hardship notes, real and present property value determinations post XX/XX/XXXX Great Recession, the impact on our household employment and income, verified through multiple channels the significant decrease in real estate values at a national level and certainly including ours, state and county tax information, comparables, property information for similar properties in our area attained through professional Real Estate Agents all respectively, then submitted to OCWEN. In and around XX/XX/XXXX, OCWEN and the assigned Relationship Manager, after having received and reviewed, made a verbal offer in direct conversations to both our Attorney as well as us directly that included an immediate Principal Reduction ( over 550k, later confirmed in writing, and waiver of any Trial Period ). OCWEN cited that no additional documentation would be needed and that they would be forwarding us a documentation based upon conversations had towards remodifying said loan. Then, unbeknown to us or our Attorney and in complete contradiction to all dialogue and confirmed offer, they instead filed a sale date for earlier this year. We realized what had occurred and advised OCWEN that they were in error as we were in process of remodification, and that OCWEN was knowingly and purposely engaging in Dual Tracking, an illegal act. OCWEN then cancelled the date, but reversed course and asked us to resend all info to their Escalated Cases Dept., denying any knowledge of conversations and claiming to have lost all paperwork sent, asking us to start all over again. They have also back handedly set another Sale Date for our home for XX/XX/XXXX.Today, OCWEN has completely reneged on their offer, denying the information shared or offer made during conversations with us and our Attorney, and are actively refusing to communicate in a timely or even professional manner with us as Homeowner, Authorized Signer and our Attorney, sending contradictory or incomplete emails and to different email boxes. Being beyond frustrated and feeling helpless, our Attorney has confirmed the difficulty in any sincerity of OCWEN even as we make every effort in good faith, has cited several federal lawsuit filed as late as XX/XX/XXXX and XX/XX/XXXX for this very unprofessional, unethical and illegal behavior towards Homeowners and has recommended that we contact CFPB immediately. Our goal is simple, to have OCWEN follow through in re-writing a loan with current, realistic, attainable and sustainable amounts and dues, follow through the initially extended immediate Principal Reduction, ( waiver of any Trial Period ), and forwarding us through our Attorney, new and updated documents to sign and return. We have been proactive with good intentions and followed through on requests in good faith. We want to save and stay in our home through what we know to be a fair resolution for all parties. However, we will not be treated by OCWEN in this unethical, illegal manner while they engage in Dual Tracking and now acceleration of foreclosure process to deny us the time and opportunity to allow them to first review and correct their own errors and us to continue to work towards our goal of maintaining our home. It is with this in mind that we reach out to you. Thank you. Respectfully
Company Response:
State: IL
Zip: 60010
Submitted Via: Web
Date Sent: 2019-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was notified about. Settlement opportunity during a class action lawsuit. When I call the wait times are extremely long or I get disconnected. There is a class action lawsuit suit filed against this company. I was not aware of this not did I receive documentation on this matter. I have been with this company since 2004 and I am seeking to find out more about this matter. I have noticed higher payments and rates that I am required to pay and I have not discussed anything additional with this company. Can someone please contact me at your earliest convenience about this matter. Thank you XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30224
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: FDCPA violation.15 U.S.C. 1692 clearly uses verification not validation of the debt. Verification generally means some sworn document or affidavit. I have repeatedly requested this information from Ocwen. They have only sent documents like copies of the origination paperwork. These documents do not provide verification of the debt, do not provide copies of the wire transfers, or any other evidence that would provide verification of the debt nor information concerning the current creditor. Make no mistake, this debt is in dispute and my requests have been insufficiently responded to. Ocwen is required and duty bound in the statute before collecting or enforcing the debt to obtain verification. And that means they cant verify it themselves unless they are the actual lender. And the statutes says pretty clearly that they must give me the lenders name and contact information past and present. If the servicer knowingly proceeds when it KNOWS there is a question of title, a question of who is the creditor, and knows that this loan was sold to third parties that have not been disclosed to the Trustor nor the Trustee, then the trustee is more than a nominal party, to wit : they are a co-venturer in a fraudulent scheme. The Washington State Sec has issued me Certificates of no record for both XXXX XXXX or of XXXX XXXX XXXX XXXX XXXX. As such they have no legal right to conduct business in Washington State and therefore no ability to grant legal authority to authorize any foreclosure or collection activity in their behalf. You know or should have known that this is an invalid trust as the information is readily available online through their site and I have informed you as to the issue.. I have brought this issue to your attention, and by ignoring them, you risk becoming legally a party to Fraud in Fact by Deceit ( Obfuscation and Denial ) and Theft, Fraudulent Conveyance, as well as Theft by Deception and Fraudulent Conveyance. You have been duly notified of the issues and therefore you are obligated to verify their veracity. To ignore them will put you in legal jeopardy
Company Response:
State: WA
Zip: 98391
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This complaint is with Ocwen Loan Servicing of XXXX XXXX XXXX FL. Loan # XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX ( divorced ) on title and the loan.Loan originated XXXX, because of my experiences with previous loan servicers, I have a my payments mailed " proof of service '' by mail, by a 3rd party each and every month except when payments have been made online. Ocwen, enjoys assessing late fees even in the grace period, when they begin phone harassment.With the exception of 3 late charges all of the other ones have been mailed timely, sufficient to reach the Texas payment location, ( eg,. by the XXXX of the month, leaves 8 days to travel and be processed ), not with Ocwen, payments are accessed late charges 50 % of the time, except when paid online. XX/XX/XXXX and XX/XX/XXXX, I paid these XXXX payments on the Ocwen Website and was charged a XXXX XXXX, {$7.00} fee. I did this because Ocwen for no logical reason was showing my account as having a past due amount and the online payment was applied ( IHAVE COPIES OF ALL ONLINE CHECKS PAID TO OCWEN ) an inapplicable past due amount ( contacts by phone were with outsourcing, maybe XXXX, with extreme difficulty understanding their dialect ) In the online payment Ocwen was given all my personal account information to make the authorized payment on the website, which was done on the XXXX day of XXXX XXXX, a payment of {$1000.00} plus XXXX for service charge-online ; then the next day without authorization Ocwen debited my checking account again for the same amount of {$1000.00}, it would not have been noticed except it caused my account to be overdrawn with ensuing NSF charges. Ocwen was then contacted and I demanded the return of my fraudulently/negligently obsconded funds, Ocwen within 3 days paid my account back, but request for overdraft fees were not responded to. The next month, thinking that the recent gaffe was simply negligence, I paid Ocwen in the same {$1000.00} on the XXXX of XX/XX/XXXX online with a XXXX fee and again they took my private account information and withdrew XXXX the next day XX/XX/XXXX for the second time, again this second withdrawal was fraudulent and without my consent causing overdraft fees to my limitedly funded checking account, they were again contacted and I demanded that my XXXX be returned to my account and for them to close my ONLINE ACCOUNT, Again, talking with the outsourced customer service I demanded my money XXXX back and within 4 days it was returned. This outrageous behavior is a felony if committed by a private party. Still dealing with the aftermath of the " robberies '' from the previous two months. I sent a check payment ( mailbox rule, XXXX v XXXX et seq ) on the XX/XX/XXXX, proof of service by mail, with a check of XXXX enclosed and by the XX/XX/XXXX ( late date ) it still has not posted to my checking account ; or for that matter to this date XX/XX/XXXX. After reviewing my online information it was apparent that Ocwen was holding my XXXX payment in " suspense '' and had held the previous month in the same fashion causing 30 days late 's to the credit bureaus. I CONSIDER MY ACCOUNT BEING HELD HOSTAGE BY THE GATEKEEPER OCWEN and request that you review these unlawful activities? Sincerely, XXXX XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A