Date Received: 2019-01-28
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: On XX/XX/2018 I filed a complaint with Owen Loan Servicing ( my Mortgage holder ) because I noticed on my credit report that they were not reporting to XXXX or XXXX, only to XXXX. Since I have an account with XXXX to monitor my credit for fraud, it was easy to get a report. I pulled my credit because I was refused, many times, for simply credit, like XXXX XXXX, XXXX XXXX, XXXX XXXX and even a business loan through XXXX XXXX due to no credit history. Since XX/XX/2018 I have filed many more complaints. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and again in XX/XX/2018. To date, Owen insists they are reporting to all four credit bureaus and even sent me a confirmation number that none of the agencies can do anything with. I have confirmed with the XXXX & XXXX that Ocwen is still not report. This problem is affecting my life!!! Most companies check the credit bureaus other than XXXX and that is the only credit bureau that has any evidence that I have had a home loan for 16 years ... at the rate of {$4900.00} per month ... always on time. My credit score is XXXX but I can't get a credit card. PLEASE HELP!!!!
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I made a normal monthly payment to XXXX XXXXXXXX on XX/XX/2019. This payment was not processed as a normal monthly payment. Instead, this payment was applied towards my principal. My next payment is not due until XX/XX/2019. I was not informed that this amount would be applied entirely to my principal. Furthermore, the payment breakdown shown on the payment page showed the breakdown of principal, interest, and escrow. I have now been on the phone with Ocwen for over an hour trying to speak to a supervisor. My account is pre-paid and I do not have any outstanding late feed. I am pretty certain Ocwen 's payment processing vendor and website are just out-of-step with one another. However, I do not think Ocwen can apply my payment in a manner different than what was displayed during my payment processing. This is a terrible experience. I have had numerous problems with Ocwen. I have images which I will send to the person who evaluates this complaint.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2019-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am dealing with an estate situation, the servicer is not working with third party authorized due to pending litigation. There is no litigation, there is no attorney, they are holding our loan resolution hostage by not cooperating with our third party. the communication is lackluster, we are forced to deal with the banks attorney and its not easy, they don't get back to you fast. We have tried to get the file out of litigation, they can not provide us with an attorney name ... an attorney who is supposedly representing us, so that we can't even fire a fictitious attorney ... ... when we call directly they will not furnish us with any information.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2019-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I need help trying to save my Home I been working on this since XX/XX/XXXX with the Lender and they still have not helped me. When I started this with them they told me not to make house payments till they got it worked we keep sending stuff back and forth they told me I don't understand what they are asking for so in XX/XX/XXXX I ask my friend to talk to them there still not helping and now put a sale date on my home XX/XX/XXXX We need and want to keep are home we been here 13 years paying for it We have a XXXX XXXX child that needs to stay in school here and the house is set up for him to live and get around my other son got a job this year to help pay the bills the state give us money for my XXXX child and I am now working for time. We can pay for are home Please I beg of you help us save are family home .... XXXX Bless
Company Response:
State: MI
Zip: 48336
Submitted Via: Web
Date Sent: 2019-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: loan XXXX Ocwen is the servicer and refuses to help modify the interest only loan that was given erroneously years ago. It was a bad loan from origination. I've sent in requests over and over again Ocwen is pulling my credit without my authorization causing my credit score to decrease. I have never given them authorization to check my credit score
Company Response:
State: AZ
Zip: 85260
Submitted Via: Web
Date Sent: 2019-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX 2 payments from the VA were posted on our behalf, shortly after a VA representative spoke to Ocwen Loan Services and got a balance due on our account. We were approved to catch up on our loan and be current after 2 loan modifications within a 5 year span. Ocwen was well aware of the money coming in to them from the VA and we had an agreement with them that the mortgage would become current when the payment arrived of the amount indicated by them to VA and us in XX/XX/XXXX. When the money came in to them, it took them 3 days after the day of the received payment day of XXXX ( XX/XX/XXXX ) to post it to this account. On top of the payments of {$1200.00}, they tacked on a late fee of {$15.00}, another payment due and the amount due on XX/XX/XXXX was XXXX. For XXXX payment it was {$1300.00}. These payments made were combined with our payment made of {$640.00} in XXXX after many attempts to straighten out the loss of our current status. That is 3 payments to them in a 30 day window and they still would not correct the payments making it current. This ruined my credit. I want it corrected and applied to my account since they knew the money was coming in from the VA and myself, and refused to waive any and all fees. They gave the VA incorrect numbers of what would be due at the time they received the payment from them. It was only 4 days from the 15 day window of another late fee ( XX/XX/XXXX ). Ocwen recieved money from the VA on the XX/XX/XXXX but they had spoken to the VA regarding the payment being approved and on its way the entire month of XXXX. They knew the money was going to be there. At this time, my account is still past due with no means to make a double payment. They continue to tack on late fees and will not go back to XXXX and correct this mistake. I am a XXXX veteran with 1XXXX XXXX XXXX civilian status as well and my wife is XXXX-both from a car accident in XXXX. We were both taken off of work at that time. My income went from {$60000.00} a year to the poverty line. We now live on public assistance-not by choice. We have had this mortgage modified twice and they still refuse to bring it current to help us. They have us still past due, even though they know my situation from several years ago when I tried to modify the mortgage and they took {$350.00} processing fee from me just to do it wrong and I had to modify it again a year later! Since this time, we have been past due/deliquent status, never to become current due to their mishandling of the fees and money they received from the VA in XXXX.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2019-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen ( mortgage company ) - They neglected to pay the property tax that was escrowed which made me get a foreclosure notice from the City of XXXX for not paying property tax. The property tax was 2 separate times for around {$70.00}. Since Ocwen didn't make the payment the fine including property tax made the total come to {$630.00}. So I paid the {$630.00}. I then told Ocwen that I had to pay the amount. Ocwen then decided to paid an additional {$630.00} after Ocwen knew I made the payment. City of XXXX decided to send the {$630.00} that I paid to City of XXXX to Ocwen ( mortgage ). I told Ocwen they needed to return to me the {$630.00} and also since they caused the late fees that Ocwen should pay for it. They have refused to give me the money that I paid to City of XXXX. I never sent the {$630.00} to Ocwen. Ocwen refuses to refund the fees and penalities that they have cause me. I did not allow them to keep the {$630.00}. The payment was made to City of XXXX. Please get me back the {$630.00} that Ocwen stole from and also have them pay the late fees and penalities that were forced on me. The dates that I submitted the payment was in XX/XX/2018 and have repeatedly called them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48340
Submitted Via: Web
Date Sent: 2019-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen has failed on complying with the CFPB rules on : Early Intervention ( 12 CFR 1024.39 ) A servicer must establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrowers delinquency.12 As clarified in CFPB Bulletin XX/XX/XXXX,13 servicers are required to make good faith efforts to establish live contact for each billing cycle for which a borrower has been delinquent for at least 36 days. A transferee servicer must begin or continue the good faith efforts regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. A servicer must provide to a delinquent borrower a written notice containing certain information not later than the 45th day of the borrowers delinquency.14 A transferee servicer must comply with the written notice requirement regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. Ocwen waited for two full years before contacting me about the loan even though I sent a complaint to Ocwen within weeks of the transfer notice. Ocwen has admitted in a CFPB complaint that the company did not comply with the reaffirmation agreement until XXXX that was 2 years after the company began servicing the loan. From XX/XX/XXXX until the loan was adjusted Ocwen failed to stay in contact with the debtor allowing the loan to go further in debt making a greater hardship on the debtor. XXXX XXXX XXXX now has came forth and is wanting to remedy the loan and make the debtor whole again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ocwen has failed on complying with the CFPB rules on : Early Intervention ( 12 CFR 1024.39 ) A servicer must establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrowers delinquency.12 As clarified in CFPB Bulletin XX/XX/XXXX,13 servicers are required to make good faith efforts to establish live contact for each billing cycle for which a borrower has been delinquent for at least 36 days. A transferee servicer must begin or continue the good faith efforts regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. A servicer must provide to a delinquent borrower a written notice containing certain information not later than the 45th day of the borrowers delinquency.14 A transferee servicer must comply with the written notice requirement regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. Ocwen waited for two full year before contacting me about the loan even though I sent a complaint to Ocwen within weeks of the transfer notice. Ocwen has now responded and admitted to the CFPB of this error in a CFPB response that I filed on XX/XX/XXXX. Ocwen stated that the loan was not corrected to comply with a court ordered reaffirmation agreement until XXXX even though Ocwen began servicing the loan in XX/XX/XXXX Ocwen did not comply with Early Intervention ( 12 CFR 1024.39 ) but only allowed the loan to continue to get further in debt putting the debtor in more of a hardship. In my last CFPB complaint Ocwen stated that the sale of the property was placed on hold in this email : Relationship Manager XXXX To : XXXX XXXX XX/XX/XXXX at XXXX XXXX Dear XXXX, We received the documents attached to your emails on XX/XX/XXXX. Our records show that our Research Department is currently reviewing the issue regarding bankruptcy agreement that was violated by XXXX XXXX XXXX when they were the servicer of the loan. The research will take 10 business days but could take 30 days if additional time is needed for them to provide you with a written response. Also, please be advised that the foreclosure sale date on XX/XX/XXXX has been put on hold until the research is completed on the loan. This account has been assigned a Relationship Manager as a single point of contact. If you have any questions regarding the account or options that we may have available, you may reply to this email or contact Customer Care at ( XXXX ) XXXX to schedule an appointment with the Relationship Manager, XXXX XXXX XXXX XXXX is your designated contact for inquiries and the submission of documents as needed. Customer Care is available during the following hours : Monday Friday XXXX XXXX XXXX XXXX ET Saturday XXXX XXXX XXXX XXXX ET this was a deceitful lie. I contacted Ocwen on XX/XX/XXXX to start a open conversation between XXXX XXXX XXXX the previous loan service company and Ocwen to remedy the loan. I discover the sale was not put on hold and the house was sold the next day at auction. Ocwen purchased the property back at the auction for more than what I owed?
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX Hurricane Irma hit my house in the Florida XXXX XXXX claim check was deposits Ocwen mortgage company/debt collectors. Not sure which it is Ocwen received funds in XX/XX/XXXX Ask for inspection no inspector since XX/XX/XXXX to date XX/XX/XXXX. 3 months Ocwen doesnt know why?? No inspection Ocwen loan services Loss draft XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Called lost draft department 24 times Resultion department Inspection dispatch Inspection company. XXXX XXXX. XXXX florida No answer to questions Also. They refused to connect me to the US when asked 10 times
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2019-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A