Date Received: 2019-02-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our Mortgage Company whom I have our Bank make our payments each month keeps adding on {$13.00} each month for over 3 yrs saying they have someone ride by our home to make sure our home is occupied,,,,,, ... .Now our question is if we are paying the mortgage payment each month on the 1st of each month - WHY would they have to do this? This is the craziest thing if you add that amount up for ONE year is {$150.00} that's one year this can not be legal. This {$150.00} a year should be for three years .... {$470.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28562
Submitted Via: Web
Date Sent: 2019-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-15
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I was wrongfully foreclosed by Ocwen loan servicing they conducted an illegal foreclosure and sale of my house which is called dual tracking there has already been a class action lawsuit against Ocwen the Department of Justice conducted the decision because of State of California business oversight department and I am a victim I am currently fighting my 6th eviction in the past 5 Years From the largest corporate landlord who bought my home the name of the current owner is XXXX XXXX who has subsidiaries like XXXX XXXX XXXX a Delaware Limited company
Company Response:
State: CA
Zip: 91406
Submitted Via: Web
Date Sent: 2019-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: That this is a partial outline of the " FAKE '' Lawyers, Mortgage Back Securities and the appearance of " MONEY LAUNDERING '' by OCWEN et al The Cover Up and the number of Lawyers and Judges involved in the Cover Up is unbelievable most are listed below. That I XXXX XXXX XXXX complain against all that are listed below, any and all information by those listed should be demanded to turn over any and all information on XXXX XXXX XXXX to the CFPB. That XXXX XXXX should not be allowed to Sell Bonds that they do not follow through in paying when there is no POA for OCWEN ROBO signers. That XXXX XXXX states clearly that they have no ownership - while OCWEN states clearly they are the lender in the 1099. I have never taken a loan from OCWEN. OCWEN was the Servicer. OCWEN is MONEY LAUNDERING " FAKE '' MORTGAGE BACK SECURITIES with the help of many lawyers. All Lawyers need to produce the information they have on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX VA XXXX and any and all contacts with OCWEN That this is the XXXX Complaint. That prior to the Forecloser on XX/XX/XXXX I filed a complaint. THE CFPB did NOTHING to help me. THE CFPB and AG XXXX XXXX filed lawsuits against OCWEN ignoring the people whose information they used, allowing allowing money laundering to continue. That the information I have ACCUMULATED shows The MONEY LAUNDERING by OCWEN with the collusion of the lawyers, attorney generals, governors et al that appear to be involved in the cover-up of the scheme THAT TODAY all the documents described below and attached along with 3 new documents not described below show the Collision of all to money laundering through Ocwen. On or around XX/XX/XXXX My home was illegally foreclosed on with a FAKE mortgage-backed security the home owner is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ASSET BACKED CERT XXXX On or Around XX/XX/XXXX XXXX XXXX XXXX XXXX answered a subpoena stating clearly they had no information, on any loan in my name, on my property. XXXX XXXX XXXX also file this in the court. On or around XX/XX/XXXX I received a 1099 stating that OCWEN THE SERVICER for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ASSET BACKED CERT XXXX was the lender on the home on or around XX/XX/XXXX and that I had abandoned THE HOME that I am still in. Money Laundering, Misprision of a Felony 18 U.S. Code 4, Rico and Racketeering, Retaliation and Retribution, Forgery, Perjury, et al. That asking the Commissioner if it is not his obligation to report corruption under the Law and Professional Code of Conduct : The Commissioner XXXX XXXX response That is a Trick Question The Criminal COVER UP is a Scheme of many Judges and Lawyers These crimes come from the COVER UP of Divorce Lawyer XXXX XXXX XXXX 's criminal spree from around XX/XX/XXXX with the forgery of XXXX XXXX signature of an addendum of her Trust Agreement that gave XXXX oversight and made her Trustee of her Real Estate and monies et al. From the divorce of JWG without a Property Settlement and clear reference in Divorce Decree to a split of all properties to be XX/XX/XXXX which was bypassed with a Liquidation Agreement without XXXX XXXX XXXX signature and done by a lawyer not licensed in Virginia. From XXXX and XXXX XXXX XXXX 's scheme with XXXX from XX/XX/XXXX till today with thefts and deliberate, willful acts that are and were malicious, violent, oppressive, fraudulent, wanton or grossly reckless. The swindling of {$30000.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al. Banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, f/k/a - as successor-in-interest to XXXX BANK, Sevicer : OCWEN LOAN SERVICING LLC : XXXX XXXX XXXX, XXXX XXXX, Aka Judge XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Lawyers : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX , XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Aka XXXX XXXX XXXX , XXXX XXXX XXXX Aka XXXX XXXX XXXX XXXX : XXXX XXXX , XXXX : XXXX XXXX , XXXX XXXX , XXXX XXXX , Judge XXXX XXXX , XXXX XXXX XXXX Commissioners of Accounts : XXXX XXXX , XXXX XXXX Judges : Judge XXXX XXXX , Chief Judge XXXX XXXX , Judge XXXX XXXX, Judge XXXX XXXX , Judge XXXX XXXX , Judge XXXX XXXX XXXX : XXXX XXXX XXXX XXXX , XXXX XXXX Florida : Governor XXXX XXXX , AG XXXX XXXX Virginia : AG XXXX XXXX Consumer Financial Protection Bureau XXXX CFPB, U.S. Securities and Exchange Commission ( SEC ) , Department of Justice ( DOJ ), FBI XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 1 - 50 That since on or around XXXX / XXXX XXXX has stated clearly an alleged loan did not exist, That XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LOAN XXXX XXXX XXXX BACKED CERT XXXX IS A FAKE Asset Backed Cert that does not exist. that the chain of acts and actions by Banks, Lawyers, the SEC et al had VOIDED any such loan along with and not limited to the law under the Virginia State, the Federal, the UCC and the FDIC et al. But, the attached Exhibit 1 from XXXX XXXX putting into writing what they had already told XXXX in taped conversations and to the CFPB, that they After undergoing a detailed search, I am unable to locate any information relating your subpoena attached by XXXX XXXX XXXX authorized Custodian of Records. All taped XXXX XXXX, OCWEN phone calls are from the CEO XXXX XXXX XXXX, past CEO XXXX XXXX XXXX, Ocwen CEO XXXX XXXX, retiring, and now former XXXX CEO XXXX XXXX SOME OF THOSE INVOLVED IN COVER-UP OF MONEY LAUNDERING and that I file a complaint against : XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX OCWEN LOAN SERVICING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX XXXX XXXX XXXX Florida Bar Number : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Office : XXXX XXXX XXXX XXXX OCWEN Contract Manager aka XXXX XXXX XXXX, XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Work XXXX XXXX XXXX XXXX XXXX XXXX Fla BAR # XXXX XXXX XXXX XXXX, XXXX, FL XXXX Office : XXXX XXXX XXXX XXXX XXXX OCWEN Contract Manager aka XXXX XXXX XXXX, XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX, XXXX , Fl XXXX Home XXXX Work XXXX XXXX XXXX XXXX OCWEN Contract Manager aka XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , Fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , Fl XXXX Home XXXX Work XXXX XXXX XXXX XXXX OCWEN Contract Manager aka XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , Fl XXXX XXXX XXXX XXXX XXXX , XXXX , Fl XXXX Home XXXX Work XXXX XXXX XXXX XXXX OCWEN Contract Manager aka XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , Fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , Fl XXXX XXXX XXXX XXXX OCWEN Contract Manager aka XXXX XXXX XXXX, XXXX XXXX XXXX , Fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , Fl XXXX Home XXXX Work XXXX XXXX XXXX XXXX OCWEN Contract Manager aka XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl XXXX Home XXXX Work XXXX XXXX XXXX XXXX XXXX OCWEN Contract XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , Fl XXXX Home XXXX Work XXXX XXXX XXXX XXXX XXXX XXXX OCWEN Contract Manager XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX Home XXXX Work XXXX XXXX XXXX XXXX XXXX OCWEN Contract Manager aka XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Home XXXX Work XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX - NC/SC Foreclosure Foreclosure Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Ph : XXXX XXXX Fx : XXXX XXXX * Licensed in North Carolina, South Carolina, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX. XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX State of Florida Capitol XXXX XXXX XXXX XXXX . XXXX, FL XXXX ( XXXX ) XXXX AG XXXX XXXX Office of Attorney General State of Florida The Capitol XXXX XXXX, FL XXXX XXXX AG XXXX XXXX Attorney General 's Office XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Phone : ( XXXX ) XXXX Commissioner Foster XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX Commissioner XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX Consumer Financial Protection Bureau / CFPB XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX 1 - XXXX XXXX Doe 1 - 50 That this For Fraud should references the Lis Pendens for Fraud filed on XX/XX/XXXX in the Circuit Court of the City of XXXX for the property - Located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX Legal : Account Number : XXXX, Primary Property Class : DETACHED HOUSE ( XXXX ), Map-Block-Lot Number : XXXX, Study Group : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Legal Description : LOT XXXX & XXXX LOT XXXX BLK XXXX SEC XXXX XXXX XXXX That the attached Exhibits to the XX/XX/XXXX Lis Pendens are referenced herein. That the documents show the pattern and practice of ROBO signers who have signed documents that have been filed against XXXX XXXX XXXX XXXX, XXXX VA XXXX. Fake Asset Back Certificate by all appearance used for Money Laundering by XXXX XXXX and or OCWEN et al Fake Loan No. Fake / Fraudulent Documents ALL signed by ROBO signers with no STANDING and or LEGAL AUTHORIZATION That XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ASSET BACKED CERT XXXX IS A FAKE Asset Backed Cert that does not exist.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: CFPB, My name is XXXX XXXX. My problem is : I have sent 2 house payments to my Mortgage Company ( Ocwen Loan Servicing, LLC ) At the time I submitted these 2 payments, I owed 4 total. It took them 2 weeks to send my payment back. I Re-submitted the payment, again. By this time, it took another 2 weeks to be returned, I now owed 4 payments. By NOW, they say I am 7 payments behind and owe ALL 7 payments or face for-closure. The are adding an additional payment that isn't even due until the XXXX of XXXX. I do not believe this is legal. I believe they are purposely lengthening the process by delaying the returned payments, trying to get me drowning in finance and additional charges in an effort to for-close on my house. Thank-you XXXX XXXX
Company Response:
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am trying to cancel my escrow account with my mortgage loan servicer OCWEN. All payments have remained current during the past 12 months. The underlying mortgage does not have a negative escrow balance or other outstanding delinquencies. There is not tax or insurance payment due within the next 45 days. There is no forced-placed insurance policy on the account and the underlying mortgage has not been modified within the last 12 months to include an escrow account. OCWEN is citing IL State Law 765 ILCS 910/5 ( Section five, paragraph 4905, Chapter 17 ). They state that this law requires that homeowners in the state of Illinois are required to maintain an escrow account until the LTV has been reduced to 65 % or lower. This law has no provisions on requirements of escrow accounts, in fact this law only states once a mortgage is reduced to 65 % of it's original balance the Mortgage Lender must notify borrower that their escrow account may be terminated or may elect to continue until a termination request is received or mortgage is paid in full, which ever occurs first. For your reference, this information was obtained from the following website : XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXXXXXX I have not been told that an escrow accounts is required according to an investor requirement or federal law/rule. They keep citing this IL state law that says they are allowed to hold my escrow dollar hostage until the LTV reaches 65 % LTV. I would like for the CFPB to research this issue with OCWEN servicing to ensure they are interpreting this IL statue incorrectly and holding onto escrow monies longer than are allowed under federal/state rules or laws. If this is happening on my account there can be thousands of others in the state of IL where their escrow dollars are being held hostage by OCWEN and that is not right.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I bought my home XXXX. I had been paying for years. I had a XXXX XXXX. I XXXX was XXXX XXXX XXXX XXXX XXXX XXXX for more than 18mthS. In XXXX the services stopped accepting my payments. They first tried to disclose in XXXX last year stating I didn't sign a document they were denied then they went for I abandoned my property while I was still on it. I could have filed bankruptcy or homestead but I wasn't cognitively aware is there anything I can do? They took all my possessions as well. I know why I wrote a letter ib XXXX to Homeland security director and I named dropped I the owner of XXXX who bought my note I. XXXX stopped reporting me to the credit bureaus that didn't matter bcuz I could noy make them is wasn't until I had brain injury was he able to get his revenge. Is there anything I can do not about his revenge but my home and posseasions. XXXX and scared. XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I've resubmitted a mortgage modification request with financials again. I've provided this information to my mortgage servicer several time. I requesting a mortgage modification with a fixed interest rate and 30 year term. My mortgage servicer has been unwilling to provide a modification with fixed terms and fix rate for my mortgage loan.
Company Response:
State: TN
Zip: 38118
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2019, I spoke with the relationship manager from the Ocwen Mortgage and I was told that my loan/mortgage was placed into foreclosure. The representative said this action was taken because they said that I requested that the repayment program be stopped. This is not true, last week I spoke with another representative about my concern about the payments being unmanageable for me and asked if there was another step in the process where I could modify those payments. The current repayment program was 1500 more than what I normally pay per month, so I was looking for some relief. She said yes there is another step we can submit for you to review another payment option. She then stated she could complete the paperwork to appeal the repayment amount. I asked the representative could I continue to participate in the current repayment program while she works on the appeal and she stated yes I could. Then on XX/XX/2019, I received a call from Ocwen stating my account was now placed into foreclosure status. I was confused because I never authorized the discontinue of the repayment program. The repayment program started in XXXX and I paid 3,200 so why would I authorize them to discontinue the repayment program, if I began making payments on it. No one can seem to give me any answers and they are researching the matter, however, my home sits in foreclosure.
Company Response:
State: MD
Zip: 20784
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: As you are well aware, Ocwen loan Servicing Co. LLC is known for fraudulent business practices and has been taken to court ( class action lawsuits ) over these issues resulting in XXXX dollar settlements however the company still is allowed to continue its fraudulent business practices with little more than a slap on the wrist. That being said my complaint is as follows. My current XXXX and XXXX credit reports are showing that on XX/XX/2019 Ocwen Loan Servicing Co LLC reported that my loan increased by {$630.00} when the original loan was {$100000.00} 13 yrs ago and now on the report is showing {$100000.00} total owed even after 13 yrs of having the loan resulting in at least a 65 point drop on my credit reports. This information Ocwen Loan Servicing LLC reported is impossible and incorrect resulting in a negative impact on my credit reports and needs to be corrected asap. Im tired of Ocwen 's fraudulent activities that are not being address and this company continues to stay in business even after many class actions suits.
Company Response:
State: NY
Zip: 12010
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My mortgage servicing company is reporting that I have not made a payment on my mortgage since 2017. I have been making my payments to them. I tried calling and writing them to correct this but it's still remains the same.
Company Response:
State: LA
Zip: 71106
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A