Date Received: 2022-08-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: loan started with Ocwen now XXXX interest rate XXXX percent this should be illegal for mortgage company to charge this amount gave away money XXXX in interest for a less than XXXX loan i have tried for yrs to have interest reduced do not know why there are not better monitering of predatory mortgage company every few yrs the mortgage company transfer the loan so other mortgage companies can take part in this proxy scheme that should be so illegal XXXX discrimination
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Paid off my principle in full and now the mortgage company keep after me for me to sell off my home. I've not asked for a pay-off. They are doing everything on their own including force pay off amounts made for 25 % total sell of home stating that the amount they should receive is over {$57000.00} or I need to make arrangements to pay them this amount??? It sounds like a threat to myself and others who is aware of this on going problem now for greater than several years. It appears this company has no consideration for moral / legal business practice or consideration for what emotional or physical problems they might be creating or contributing to based on unnecessary stress. I'm XXXX and on a fixed income and doing the best I can with what I have. It's the same mortgage company but the name and hands has changed maybe three times over the 15-20 years. I requesting assistance asap. I'm upset with this continued abuse and seeking help at this time. I've reached out many times and because they out source no one seems to be able to assist. They seem to do as they please. Treating folks like they have NO rights. Thank you for any help!
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX mortgage company is refusing to sign documents in an effort to get assistance for my mortgage. I receive assistance through XXXX in which I was granted assistance. XXXX has denied me access to receive this assistance. My case manager is XXXX XXXX who has not returned my phone calls. His number is XXXX. We are in dying need of assistance and this company is refusing to grant us the assistance.
Company Response:
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Complaint # XXXX was only concerning the first mortgage. I was referring to the second mortgage. It was bought from XXXX by Ocwen and there is no record that it was paid off but it was discharged in the bankruptcy in 2013. This loan was was released and discharged but there and there is no record that I owe the XXXX. I need a release so I can refinance. It only shows that I owe XXXX but we need written release so I can refinance my loan.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Dear CFPB, I'm reaching out today, for some guidance, and education on what to do next! For the last almost 7 months now, My family and I have been trying to get back on our feet since this horrid pandemic. My mortgage with PHH Mortage was definitely affected like many others. Mainly deciding if groceries or a mortgage bill was the right decision in that moment or to feed our children. Naturally our children won. There was a good 6 months that we were behind, was told by mortgage company PHH Corporation, XXXX ID # XXXX. that all would be ok and credit would not be affected. Fast forward to XXXX of XXXX when " things are getting better '', and we now start the process of remodifying our mortgage. Was beyond cooperative gave them all documents and anything necessary to mke the process quick, easy, and effortless. Also had a third party involved, XXXX XXXX XXXX XXXX XXXX to truly ensure nothing went without a beat! First modification was processed in about a month we signed and had certified documents sent back in a timely manner. Making our first payment went more than smoothly at a new monthly amount of {$960.00}. Payment was made and within a month we got the horrible news that their underwriter 's had messed up the numbers or the math ( mindblowing all in its own ) and we were told we had to resign modification and our new payment would be {$1000.00}. So now one payment was made ( never accepted ) and was put into some time of " escrow '' account and was told it would be put towards my next payment once mortgage was all done again. In the meantime we sent yet another payment upon their request of the new amount of {$1000.00}, on top of a money order in the amount of {$200.00} to complete the difference in the first payment made of {$960.00}. Also requested by PHH. Few weeks go by and low and behold here come all of the checks that were submitted upon their requested returned to us and were told the new modification wasn't accepted due to signatures! Third party and I sat down and we checked every last signature to the one they had accepted prior and NOTHING was different, yet again cooperated and sent notarized docs AGAIN! We then had an underwriter XXXX with PHH Mortgage involved at that point, and low and behold, he found out that my marriage license was never uploaded into PHH 's system about 9 years prior! What they wanted without actually saying and just stating on the denial letter that a signature was missing, but in reality what they wanted was for my maiden name to be hyphened on my married name on the modification application. XX/XX/XXXX I FINALLY got the phone call from XXXX that ALL we had to do was sign old modification documentation and everything would finally be back to normal. Or so we all thought including him! Low and behold I call him the following Tuesday to ensure all was good & to let him know papers were going out that day! Only to find out that Tuesday morning that our mortgage had been sold in the middle of modification process to XXXX XXXX right at the end of a modification that we had to go through due to the Covid19 pandemic. All for it almost to be over and be able to pay our mortgage again! Just to have PHH make my life and even bigger XXXX I was then advised to call new Mortgage company XXXX XXXX to see status of our paperwork. On XX/XX/XXXX I was told by them they did not have all of the info due to PHH not providing all of it to them. It is now XX/XX/XXXX and I still don't have word from either mortgage company as to what is going on. They have not been complying or cooperating since it's started & is shockingly still not completed with either mortgage company. I also have XXXX involved in hopes they can help not only with the process but also some relief. They also know of this change recently because I have notified them about it, and provided them with a updated loan number with XXXX XXXX. I now owe more than ever about {$21000.00}. due to this very unfortunate matter. To make matters worse crippling my credit score that wasn't supposed to be affected by this whole pandemic is shot more than ever now because we " aren't paying '' our mortgage, because we literally can ' due to this huge mess, it seems like we aren't paying our biggest asset we have under our names! All due to the very unprofessional mishandling of our loan for our home from PHH Mortgage. I have complied with them from the beginning and gave them every detail they have asked for. Including doing all of the phone calls and leg work for them for over 6 months now! We are very concerned as to what is going on at this point with our loan for our home, as it is our ONLY asset we have for our family! We just want this all cleared up and put behind us and have been ready to get back on our feet and pay our mortgage normally. If there is anything you need from us, I am more than happy to get it to you immediately. I cant believe I have made it as far as to put a complaint against them! We just want our modification completed and our home to be OUR HOME. I was told to actually call XXXX XXXX XXXX XXXX and its literally my next step in what feels like a nightmare I cant wake up from. Please help our family Thank You!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07801
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: WE ARE REQUESTING ALL DOCUMENTATION FROM XXXX XXXX TO INCLUDE PAYMENT LEDGER RELATED TO THE FOLLOWING ADDRESS AND INDIVIDUALS : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE MORTGAGE IS CONNECTED TO THE FRAUDULENT XXXX XXXX LOANS TAKEN OUT BY XXXX AND XXXX. XXXX CURRETBLY SERVICING 15 FEDERAL SENTENCE FOR DEFRAUDING BUYERS, STAGING FRAUD CLOSING AND MORE. NUMBEROUS LOANS WERE TAKEN OUT BY XXXX XXXX AND PARTNER XXXXXXXX XXXX WHO THEY PAID A PORTION OF THE PROCEEDS. THE XXXX WOULD BRING THE LAWFIRM NEW CLIENTS UNDER THE PRETENSE THERE HOME WAS GOING INTO FORECLOSURE WITHIN 24 HOURS WHICH WAS NOT TRUE. OUR INFORMATION WAS USED BY THESEE INDIVIDUALS TO TAKE OUT FRAUDULENT MORTGAGE LOANS UTILIZING OUR NAMES AND CREDIT
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX i contacted my mortgage company XXXX ( PHH/Ocwen ) XXXX to remove my escrow account from my loan. They sent me the form requesting the removal i completed it & faxed it to them XX/XX/XXXX they stated it would take 10 business days to complete request.. Upon speaking to multiple reps & a supervisor ( XXXX # XXXX in the Escalation Dept ) I was informed they declined the request because my property taxes are due in 30 days.. My property taxes are usually due XXXX & XXXX of every year.. not only is XXXX more than 60 days out but I CALLED the XXXX XXXX TREASURERS OFFICE ( XXXX ) XXXX gave my pin number and the rep stated ALL XXXX XXXX TAX BILLS ARE DELAYED AND WONT BE GOING OUT UNTIL APPROXIMATELY XX/XX/XXXX after not getting anythg resolved with supervisor i emailed their Ombudsman Dept ( XXXX ) with complaint about the issue.. i need them to remove my escrow MY BILL IS NOT DUE WITHIN 30 DAYS, I AM WAY LESS THAN 80 % XXXX on home.. i want my escrow funds including any cushion amount being held to be refunded to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: WE ARE VICTIMS OF ID THEFT AND FRAUD. WIFE FILED FOR XXXX IN ORDER FO THE XXXX COURT TO INVESTIGATE THE FRAUD. XXXX REFUSED TO INVESTIGATE THE FRAUD, THE CLOSING ATTORNEY WHO STAGED A FRAUD CLOSING IS IN FEDERAL PRISON DUE TO DEFRAUDING CLIENTS AND MORE. IT STARTED WITH XXXX XXXX XXXX XXXX WHO CHANGED THEIR NAME TO OCWEN AND NOW PHH. NEVER RECEIVED A LOAN FROM XXXX XXXX XXXX XXXX WE RECEIVED DOCUMENTS FROM THE ATTORNEY AS IF WE DID. WE BEGAN PAYING XXXX XXXX XXXX XXXX IN XX/XX/XXXX. WE WERE NOTIFIED OF THE ID THEFT AND ID FRAUD FROM A FEDERAL AGENCY., THE TRUSTEE ASSIGNED TO MY WIFE ABANDONED ALL OF THE RESIDENTIAL AND COMMERCIAL PROPERTY BECAUSE HE AND THE JUDGE BOTH WERE AWARE OF THE FRAUD ON EACH PROPERTY TAKEN OUR BY OTHERS. THE TRUSTEE BASICALLY STOLED EVERYTHING. RATIONALE WAS HE WAS LIQUIDATING TO COVER OUTSTANDING DEBTS. WE DID NOT WVEN HAVE OUTSTANDING DEBTS AS HE DOCUMENTED. PHH IS STATING ON THE CREDIT BUREAU WE ARE PAST DUE 180 DAYS, THIS IS NOT TRUE. REQUESTTING ALL PAYMENT HISTORY AND DOCUMENTS FROM PHH FOR REFERNCED ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE CLOSING ATTORNEY AND SELLERS WHO HAVE BEEN REPORTED TO THE FEDERAL AUTHORITIES TOOK OUT 3 TO 4 LOANS ON THE SAME DAY FROM XXXX XXXX XXXX XXXX IN XX/XX/XXXX, ATTACHING THE NUMEROUS 1098 '' S. THE AMOUNT OF THE HOME IS EVEN INCORRECT. THE COST IF THE HOME WAS XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I was given a thirty day late while i was in a XXXX XXXX bankruptcy on XX/XX/2011, my attorneys were XXXX XXXX Attorneys at Law looked into the matter with Ocwen Mortgage and resolved the issue but a couple years ago XXXX had a data breach and when they got it resolved it came back up!! the 30 day late. this is the issue i was never late with Ocwen and my Attorney and i with bank statements proved it, so why are they reporting the wrong dates of me being late to keep it open it seems to be deliberate and predatory and i want to really sue for all the capital they have cost me since XXXX!! please can you help? thank you!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98387
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The mortgage loan is on my mothers name but deed is on my name. This mortgage was transferred from my name to my mother by a fraudulent mortgage broker who was indicted and sentenced by attorney general Massachusetts. Few months before my mother passed away last year, I have been negotiating a payoff from the PHH mortgage and they agreed to do a principal reduction payoff and gave me a {$450000.00} as a payoff from {$650000.00} principal balance. I am XXXX XXXX XXXX and tried to pay my mothers loan by doing a reverse mortgage. When I came to the closing I was informed that there was a lien on the property that needed to be removed. It took a month to get the lien off the property and in the meantime the {$450000.00} payoff expired and ever since last year XX/XX/2021 I have been asking them for an extension. They refused and wanted me to do an appraisal which I did. Now they want 90 % of the value of {$950000.00} as payoff instead of the principal balance. I have all the correspondence they sent me. At my age XXXX how can I get qualified for {$900000.00} payoff the existing mortgage. They are just playing games and more focused on foreclosing my property. Hope I can get some help and would be much appreciated. Thanks
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A