OCWEN FINANCIAL CORPORATION

2018-03-14

Lakewood, WA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: A. On XX/XX/XXXX was told by Ocwen via equator message that the net was short around {$3000.00} and to submit a higher offer. B. Higher offer was submitted on XX/XX/XXXX which increase the offer to {$260000.00} the net by {$2500.00} ( which is around $ XXXX ) C. Escalation dept confirmed receive of document XX/XX/XXXX yet underwriting did not not the file as complete until TWO WEEKS later despite my follow ups. D. File was at a standstill until XX/XX/XXXX despite weekly follow ups we should not be penalized for underwriting taking much longer than they should have. E. XX/XX/XXXX I increased the net even more to {$230000.00} which it is over {$3000.00} higher in net then the original hud submitted I do not understand why the short sale is not pending approval with the above considered
Company Response: Closed with explanation

Timely Response

2018-03-13

Center Moreland, PA

Incorrect information on your report

Mortgage: Conventional home mortgage

Company Response: Closed with non-monetary relief

Timely Response

2018-03-13

Noblesville, IN

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-03-13

Ft Lauderdale, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: My mortgage payment went up, I am on a fixed income and I can not afford additional expenses. I am afraid that I will default on my loan because the payment increased. The mortgage company will not assist me with a modification because I'm not late. I need a lower interest rate, it's going up 5 % in XXXX. They told me they had other programs but didn't tell me what they were.
Company Response: Closed with explanation

Timely Response

2018-03-13

Mount Holly, OH

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: just giving you more lies ocwen gives me not that it matters to the cfpb or ocwen ... but ... once i figure out how to get all these phony docs and lies ocwen has sent to me ... i have so many ... im sending copies to the ... EOP U.S. attorney General U.S. attorney members of the U.S. Senate and house of representatives.. house judiciary committee house oversight committee FBI XXXX XXXX judge XXXX XXXX and whom ever else I find this letter clearly states ocwen received my loan from gmac in XX/XX/XXXX ... when they went banrupt ... in which gmac only stamped my mortgage assignment in XX/XX/XXXX ... ( out of business ) .. gmac never sent me a transfer notice from home eq ... .or anyone else for that matter ... and here is home eqs paper clearly stating ocwen got my loan from them in XX/XX/XXXX ... but ... i DO NOT believe ocwen was licensed to have my loan ... .in my PSA ... until XX/XX/XXXX!!! when the paperwork was done for out mortgage in XX/XX/XXXX... is was never notarized in front of us ... thats a whole different complaint ... but I'll get t gat together
Company Response: Closed with explanation

Timely Response

2018-03-12

Cheverly, MD

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem with personal statement of dispute
Complaint: I paid my mortage for XX/XX/XXXX through XXXX XXXX XXXX online banking portal on my computer. I received a phone call on XX/XX/XXXX for the first time from Ocwen stating they had not received my XX/XX/XXXX mortgage. I spoke with a representative and stated the mortgage was paid on the XX/XX/XXXX on online banking through XXXX XXXX XXXX. I then pulled up my XXXX XXXX XXXX and saw they sent my payment to XXXX XXXX, my husband 's car loan company. I explained that XXXX XXXX XXXX made an error. The representative from Ocwen called XXXX XXXX XXXX and we had a 3 way phone conference call and XXXX XXXX XXXX refused to acknowledge their error and couldn't get Ocwen the money due to it had been sent to XXXX XXXX. I was unemployed at the time and did not have money in my savings or checking account neither did my husband to cover an immediate payment to Ocwen. I then had to call XXXX 's XXXX with my husband, and had a discussion in which XXXX XXXX said they would have to mail back the check to my husband and it would take 7 to 10 business days. Ocwen was also on this 3 way conference call. I was informed from Ocwen due to the error there would be no late payments. I was also informed our credit report would not be contacted for late payment. I was informed due to the XXXX and XXXX XXXX holiday, XXXX XXXX couldn't guarantee the check would be to us before the XX/XX/XXXX. The check arrived on XX/XX/XXXX and Ocwen was paid on XX/XX/XXXX after the check had cleared. I also paid our XX/XX/XXXX mortgage payment before XX/XX/XXXX. On XX/XX/XXXX even though all of this information was made a record of on my account I began receiving harassing phone calls from Ocwen about my XX/XX/XXXX mortgage payment and received them the next month on XX/XX/XXXX. Also, our credit report was lowered because Ocwen reported that our mortgage payment was over 30 days late even though I have never been late on a mortgage payment and Ocwen had a record of what happened to our XX/XX/XXXX mortgage. I had a dispute with XXXX and called Ocwen who will not take down this late payment stating that legally Ocwen had to report this late payment and that the only way Ocwen will correct the dispute is if XXXX XXXX XXXX sends them something in writing stating their mistake. XXXX XXXX XXXX won't acknowledge the mistake since it was done on their website. This incident is one of many problems I have had with Ocwen where one time I paid our escrow off at the end of the year otherwise our mortgage payment would have gone significantly higher due to our escrow being short for the next year. I put a payment coupon and put the check stated this was for correction of escrow and Ocwen applied this payment to our mortgage instead of the escrow. It took my 4 phone calls each lasting an hour and a half to straighten out their mistake. Also, I have up until the XX/XX/XXXX of the month before my mortgage is late but if you pay after the XX/XX/XXXX of the month Ocwen calls your payment a remittance payment. This payment is not a remittance payment since legally I have until the XX/XX/XXXX of the month grace period to pay my mortgage without a penalty.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-12

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-03-11

CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Over the course of XXXX, several financial setbacks occurred causing me to fall behind on my payments so I made steps to work with the Ocwen to begin working on a loan modification so that I could continue making timely payments. Over the course of this process the relationship managers that I worked with repeatedly lost documents and even went as far as saying that they did not receive documents that were faxed, emailed, and mailed to them which ultimately led to me falling further behind on my payments. In late XXXX, I received a notice of default and subsequent sale date so I began to work with the loan servicer as well as Keep Your Home California and XXXX to work out a repayment plan for the back fees. They assured me that while I was working with them to figure out a plan that the sale date had been put on hold. In XXXX, XXXX informed me that they had made an agreement that I would begin with an initial payment of {$12000.00} and then go on from there. I felt comfortable with that amount because it was much less than the {$16000.00} that was accumulating after fees and penalties were tacked on. I called the servicer in early XXXX because I had not received any documents to sign and after speaking to my relationship manager in late XXXX, I was informed that I should remit a payment of {$12000.00}, which was sent to them on XX/XX/XXXX via certified check even though as of that date I still had received no official document that we had entered into the repayment plan. It was on XX/XX/XXXX, that I received a new document from the county saying that my home would be sold on XX/XX/XXXX, so I immediately called the loan servicer because there had been no communication from them on the status of the repayment plan or any document stating that they had received a payment from me. I spoke to the servicer who then told me that the repayment plan was sent to the underwriter and that I had been denied a repayment plan due to my debt to income ratio being 2 % higher than that of which they allow. I then asked when that decision had been made and they told me that the decision was made XX/XX/XXXX. I then asked the representative why I had not received anything in writing that this decision had been made and I was told it was because they do not send out letters of denial and that it was on me to check in with them on the status of the repayment plan application. I know that this is false information because I have received letters in the past in regards to the denial of a loan modification. I proceeded to ask the representative what happened to the check that was sent to them and they told me that they had returned it to me as of XX/XX/XXXX because there was no agreement made and that I would need to make a payment of {$17000.00} to end the sale of my home. This payment has to be made by XX/XX/XXXX. I am submitting this complaint because Ocwen has a history of these types of practices resulting in foreclosures and lawsuits, one of which was filed by the CFPB for these same reasons and nothing has changed.
Company Response: Closed with explanation

Timely Response

2018-03-11

Allenwood, NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: a year ago a trial mod was given and extended trial mod payments were applied to XX/XX/2011 mod allegedly which was a gray area, DTI AND NVP were not entertained as asked, ... ..Attorney was not applied as discussed by XXXX, XXXX XXXX XXXX , she said the third party letter of authorization was not pertaining to her, she did not know of XXXX XXXX XXXX that told me she would be my attorney in XXXX Nj and actual never had a office there as they stated as I requested, ... ... .Bar ASSOCIATION gave me a P.A. #, ... ... .Other attorney in XXXX now that was representing me in foreclosure rescue scam. XXXX XXXX, XXXX XXXX was impersonating a Attorney also. she was practice manager /paralegal responsible for $ withdrawl and FEMA fraud XXXX loan trying to acquire free money through fraud. He is no longer aloud to practice law in NJ BUT my real estate issues are not corrected XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-03-11

Lewisville, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: My mom 's home is trying to be foreclosed on. And Ocwen Loan Serving is ignoring me. I have the direct number to the Acct Mgr and XXXX XXXX in the Office of the Consumer Ombudsman and Still ignoring. I have called multiple days and left many messages. My mom died XX/XX/2018 and the home was in probate from my dad 's death. My mom 's death was very unexpected and I want to pay off the home and Ocwen will Not work with me. They won't even return any calls. I have received email messages only and that was right at the time my mom was sick and trying to get property in her name from my dad 's estate. Ocwen only lies and says they didn't receive my dad 's death certificate. While I was trying to help mom ( I myself, sent it certified And faxed it ), so I know for a fact they received the paper work but just do not Wish to help consumers. Ocwen 's main goal is to take homes. I will be talking to a lawyer now but I want to go on record with this issue so that when this goes before a judge, it is documented that I have made multiple attempts over many months and to show that they were not willing to work with my mom as well. We are willing to pay it off but Ocwen is only trying to make it go up. I've received a pay off of XXXX if they keep waiting, the pay off goes up. This is ridiculous!!! With so many people complaining about this crooked company ... why the XXXX does the government allow them to keep robbing people?? I will be posting this to every place I know of.
Company Response: Closed with explanation

Timely Response

2018-03-11

Columbus, OH

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: Between XX/XX/XXXX and XX/XX/XXXX, my FICO, XXXX, XXXX and XXXX credit reports show that we were 60-89 days late on our mortgage with Ocwen. We were 30-59 days late during these times, but we were not 60-89 days late. Between XX/XX/XXXX and XX/XX/XXXX, Ocwen was erroneously keeping my payments in suspense, and was not applying my payments to the past due balance. This error caused my mortgage to be reported as 60-89 days delinquent. If Ocwen had applied these funds to my past due balance, as the company is obligated to do under my contract, my account would not have fallen 60-89 days behind. I filed a complaint with the CFPB regarding the payments held in suspense. After I filed the CFPB complaint, the issue was quickly resolved, and the payments held in suspense were applied to my past due balance. However, the error with my credit reports ( the report that we were 60-89 days late on our mortgage ) was never corrected. After I filed the complaint with the CFPB, I spoke with a supervisor at Ocwen. She said that the payments were being held in suspense by error ( that it was Ocwen 's error ). She said that she was not sure why this error occurred and she promised me that the issue would be resolved quickly. I contacted Ocwen regarding the error with my credit reports, but they have refused to correct the error regarding my delinquency.
Company Response: Closed with explanation

Timely Response

2018-03-11

NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Dear XXXX Representative, My complaint is somewhat convoluted. There are two important aspects to this complaint and I need to premise it with some preliminary details. 1. The first aspect of the complaint is : that I naively and without legal representation, signed a Quick Claim/Deed, XX/XX/XXXX, relinquishing all control of a home that I had jointly purchased with my wife at the time. I question the very ethical, legal and predatory nature of this contract, and the law firm that drafted it and/or counseled my ex-wife to present it to me the way she did- having no present witness and no assurance of legal counsel on my behalf, Drafted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. What has essentially manifest from this action is that : For the last 11 years, my name has been on a mortgage for which I have no legal ownership of and have been stripped of any decision-making ability and equity concerning the property ( via the quick claim ), but still bear the financial burden and responsibility. I am subject to any outcomes regarding the decisions that are/ and have been made regarding the house/mortgage, i.e. loan modifications. Including, a continued bad credit history report and an inability to essentially finance anything- directly affecting my quality of life and stifling any real growth regarding a start-up business. After briefly speaking to an attorney, he expressed concern regarding the way in which the quick deed was signed. He mentioned that quick claims are typically signed at the time of refinancing, not signed with some future promise of refinancing. Said house is presently in pre-foreclosure, with a foreclosure sale date scheduled sometime in XX/XX/XXXX. We, ( we shall mean myself and my ex-wife ), are currently in the process of trying to facilitate a short sale of said house with the help from XXXX XXXX XXXX and an attorney at XXXX XXXX XXXX. Ill explain further the history, and how this correlates to the next aspect of the complaint below. 2. The second aspect of the complaint is that : I question the practices of Ocwen Loan Servicing, LLC, representing or affiliated with XXXX XXXX XXXX XXXX XXXX, trustee for XXXX XXXX XXXX XXXX, in terms of fairness and transparency. I cant speak directly for, or on behalf of my ex-wife, but she did recently disclose to me that Ocwen Loan Servicing, LLC. coerced her into leaving the property long before a foreclosure sale date, among other suspect practices. Its possible that she might be willing to cooperate and/or show documentation regarding an investigation. Please make note and understand that I have not lived in or set foot on said property since XXXX of XXXX. We, ( my ex-wife and I ) are not on speaking terms accept for legal or real estate matters. The Back story as it pertains to the complaint : My ex-wife and I were married XX/XX/XXXX. We signed the deed on our new house XX/XX/XXXX. Two months later in XXXX of XXXX, she ( my ex-wife ), had a change of heart and chose to dissolve our relationship and consequently our marriage. Not being able to afford an apartment on my own I stayed in the house for a few months, leaving the premises in XXXX of XXXX. We made an agreement that approximately one year after I signed the quick deed on XX/XX/XXXX, that ( she ), my ex-wife, would refinance the house ; thereby removing my name from the mortgage, assuring me that she could and would continue to make the mortgage payments on her own and on time. She quickly fell short on this promise. XXXX XXXX XXXXXXXX XXXX transfer of real estate settlement to Ocwen Loan Servicing, LLC Though I had no executive decision-making ability regarding the house, I was still getting paperwork/ documentation on occasion from the mortgage company and was still able to access my online account which at the time was through XXXX XXXX XXXXXXXX XXXX XXXX I was aware that my ex-wife was behind on mortgage payments. Around XXXX, both of us, separately, and on multiple occasions tried to get XXXX to do a short sale. It never happened. We had buyers that were willing to purchase the home over the original purchase price however, XXXX dragged their feet and ultimately refused on every occasion. I received a notice for a transfer of real estate settlement procedures XX/XX/XXXX. XXXX to Ocwen. A loan modification was granted without my signature. signed XX/XX/XXXX. I was contacted by my ex-wife, requesting my signature for this modification, which I refused and did not sign. The modification happened anyway. I have a copy of it, signed XX/XX/XXXX, with her signature only. I question the legality of this. Fast forward to XX/XX/XXXX, Ive been remarried now for 9 years, I have a family, Ive been trying to start a business, Ive been making a concerted effort to take control and master the financial aspects of my life. But in every domain this mortgage/ looming foreclosure continues to have a tremendous negative impact on anything I attempt financially. After recently presenting my business plan to a commercial bank and disclosing that my name was on the mortgage of a home in pre-foreclosure, I quickly realized there would be no chance of acquiring any kind of financing with a house in pre-foreclosure and/or any of this on my credit report. I took immediate action. Up to this point I thought that I had no recourse whatsoever ; no legal recourse regarding the quick claim and no way of facilitating a short sale. I assumed that foreclosure was my only option and hoped it would happen swiftly, so I could at least have some new starting point even if that meant another seven years. With a new sense of urgency, I contacted a lawyer. He gave me the name of a real estate agent that specializes in short sales. Since then, the real estate agent and an attorney from the XXXXXXXX XXXX XXXX has been in communication with the mortgage company to short sell the house.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-10

Camp Springs, MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: My home is scheduled for Foreclosure Sale XXXX XXXX. I have been paying since XXXX. As of XXXX I had paid XXXX on a loan that was XXXX. My loan was transferred several times and incorrect information about how much I owe has been and Issue. Ocwen is saying still owe XXXX. I have asked for proof but they will not provide it. The loan is under the XXXX and it is not correct. They also send different amounts on the statement. I am in XXXX XXXX and XXXX XXXX. Once I reported Ocwen for Harrassing Calls they scheduled the Sale. Their is no documentation in the Court.
Company Response: Closed with explanation

Timely Response

2018-03-10

CA

Took or threatened to take negative or legal action

Debt collection: I do not know

Seized or attempted to seize your property
Complaint: I submitted this complaint for a wrongful eviction of a renter from a foreclosed house, first in XX/XX/XXXX. XXXX XXXX responded " It's not us it's OCWEN ''. Our deposition showed differently. On XX/XX/XXXX I submitted a new complaint. You don't have a box for illegal renter evictions ( but you should. ) It looks like XXXX XXXX routed it to XXXX XXXX XXXX, who XXXX XXXX responded I did not have " standing '' to bring the complaint. Well ... their name was on the caption of the illegal eviction proceeding, and so was mine. So, I most certainly do have standing. They also gave the complaint to their attorneys to answer - XXXX XXXX XXXX, who are the ones who tried for 4 years to illegally evict me-then dismissed their case when I caught them with fake documents essentially stealing the loan and house. I suggested the attorney investigating my complaint needs to go back to law school to learn about standing. " XXXX XXXX v XXXX '' most certainly does give me standing, and I am living in a house with their name on ( half ) the title. It is XXXX XXXX 's name on the eviction cases. They were directed at me. So yes, I do have standing to bring this complaint. Under XXXX XXXX XXXX XXXX XXXX XXXX, v. XXXX XXXX XXXX et al. ( App Div No. XXXX, Super. Ct. No. XXXX ) & XXXX XXXX XXXX XXXX XXXX XXXXXXXX, v. XXXX XXXX et al. ( App Div No. XXXX ) the renter prevailed in the bank having to prove they followed the foreclosure law. So there certainly is standing for a renter to question a Bank 's illegal foreclosure. Meanwhile the issue here is you and your agents tried to ILLEGALLY EVICT MY FAMILY, in violation of both Federal and CA State PTFA law and I most certainly do have the standing and the right to file a complaint and receive an adequate response that is not a shell game on this issue. Here it is, again. Property : XXXX XXXX XXXX, XXXX, CA XXXX In XX/XX/XXXX, XXXX XXXX via their agent OCWEN sued me for eviction in my rental. This was the first I realized they had ( it turns out illegally ) foreclosed on my rental, with a 5 year lease. Under both Federal PTFA Protecting Tenants at Foreclosure Act and CA State PTFA, XXXX XXXX has to honor my lease, which is in effect until XX/XX/XXXX. My lease includes a long list of repairs the ( now former ) owner agreed to do, since the property is seriously dangerous and dilapidated. I replied to the first eviction with my lease, and they withdrew their first eviction. I subsequently hired a Geologist, after being informed of a mudslide at the property which caused the property to be evacuated. He wrote a long report that the property is a " Danger to life and limb '' and needed immediate repair & geological stabilization. He also discovered XXXX XXXX only has title to the front half of the house. This report was provided to XXXX XXXX via their attorney, who responded by trying to evict us, again. So I defended our right to be here & have the property repaired. Knowing the home is extremely dangerous, XXXX XXXX has refused to make any repairs, forcing me to make repairs to make the home even half way livable. Thus far I have spent hundreds of thousands in repairs. During discovery on their lawsuit, I found forged loan assignments including XXXX XXXX, which made it impossible that XXXX XXXX owns this house. When presented with this evidence during our deposition in Spring XX/XX/XXXX, with requests to prove they own the house -- XXXX XXXX withdrew the case. XXXX XXXX 's only defense to my valid lease was we had strike throughs in it. This is not a legal claim. Thus far I have spent almost a hundred thousand dollars in attorneys fees defending their bogus eviction, for a home it appears they actually stole using fake loan assignments. XXXX XXXX presented their " Person most knowledgeable '' for the case as from OCWEN. When I made this same complaint in XX/XX/XXXX for failing to honor PTFA law, XXXX XXXX responded it was " not them it is OCWEN ''. The problem is, during the deposition OCWEN testified multiple times they are acting on behalf of XXXX XXXX. I have the entire deposition transcript. Further -- OCWEN is not the beneficiary so they can not legally evict me, only XXXX XXXX can. It is clear XXXX XXXX and OCWEN are playing a shell game -- but it is XXXX XXXX 's name on their ( now dismissed ) eviction lawsuit against me. Meanwhile -- I learned during our deposition that XXXX XXXX does not even have a process to handle renters, which are 60 % of the foreclosures. Their XXXX testified that is the " Foreclosure Trustee 's job ''. Are you kidding me? That is not their job, they just sell the house!! It is squarely XXXX XXXX 's job to know who is in the house, if they are a renter, and to honor their lease. This also means doing needed repairs -- not being a slumlord and expecting a renter to make extensive or any repairs!! This also means that in 60 % of the foreclosures, XXXX XXXX is just thumbing their nose at the law. -- /
Company Response: Closed with explanation

Timely Response

2018-03-10

Mc Knight, PA

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: I have several complaints on file that are marked as closed simply because they accepted the complaint. This is ridiculous. They not only escrow, processed incorrectly charged excess fees but they stole my property. Now post bankruptcy they are calling and harassing me for payments. Ocwen called from XXXX @ XXXX ; XXXX XXXX XX/XX/18. XXXX XXXX said I missed my XX/XX/XXXX payment and I should call XXXX or send payment. Federal Law states they can not do this. Now what do I do. I am financially broke!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-09

Oxford, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Reference closed Consumer complaint file # XXXX Ocwen loan Servicing Property address : XXXX, GA XXXX Account # XXXX Ocwen continues to report that my account has been charged off and closed after they had investigated and confirmed to your agency that this is incorrect per closed complaint # XXXX. I recently checked and all credit bureaus have received information between XX/XX/XXXX that my account has been closed, charged off, hence my credit score decreased by over 100 points. Ocwen continues to report this incorrect statement every couple of years although i have never been late and my account is current. I need Ocwen to remedy this situation and place a permanent ban on reporting incorrect information as this is adversely affecting my ability to obtain credit. I truly believe Ocwen is trying to intimidate me in paying off this loan or to foreclose as they lied previously that the account was a balloon loan. Please investigate and advise.
Company Response: Closed with explanation

Timely Response

2018-03-09

Mobile, AL

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-03-08

Colfax, IN

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-03-08

Arvada, CO

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I have a second mortgage with ocwen loan servicing, it was included in my bankruptcy filed XX/XX/XXXX, on XX/XX/XXXX ocwen sent out a response to final cure payment saying I was behind XXXX. That same day, they added almost 1000.00 to my principal balance. I then sent to the courts proof from my bank showing I never missed a payment over the entire 5 years. The courts granted me a discharge on XX/XX/XXXX. On XX/XX/XXXX my wife and I applied for a refinance with XXXX XXXX, this has been tough because Ocwen wont report my payments over the last 5 years, because we didnt reaffirm our loan. On XX/XX/XXXX I called ocwen to ask why my principal balance went up XXXX between XXXX and XXXX statements, I then mentioned I was trying to refinance, and needed them to fix their accounting errors, I asked to talk to someone in that department, but was told they cant take calls, and would get back to me by email. I then went onto ocwens web site and found a tab for problems with payment, so I typed in my problem, and downloaded 20 pages to support their mistake. 5 days later ocwen who had refused in the past to report our payments to the credit bureau, decided to report to XXXX that we are 180 days late and the account is now open, and nothing else, no on time payments over the last 5 years or anything. This brought my credit score down from a XXXX to XXXX, and all happening days before we are supposed to close in our new loan. I have been told by the Bankruptcy department at ocwen that they dont know why, they can only see what I can on their web site, and will not allow me to talk to anyone else. Can someone please help, I have all the documentation.
Company Response: Closed with explanation

Timely Response

2018-03-08

Greenwood, WA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-03-08

North Ocean City, MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-03-08

Kealakekua, HI

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-03-08

North Ocean City, MD

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-03-08

VA

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: Chain 1 : Purported Note endorsement by the original lender, now bankrupted XXXX XXXX XXXX, to XXXX for further securitization into Structured Asset Mortgage Investment II Trust XX/XX/XXXX XXXX, where XXXX XXXX XXXX XXXX XXXX is Trustee. Chain 2 : Purported Note assignment from XXXX to XXXX via XXXX signed by XXXX XXXX, who in XX/XX/XXXX ( seven months after servicing the Notice of Default to Homeowner ) assumed position with XXXX as Vice President of XXXX XXXX XXXX, which is a separate entity for the above Trust. Chain 3 : Purported assignment of Deed of Trust from XXXX to XXXX on XX/XX/XXXX. The Assignment signed by Ocwen 's employee XXXX XXXX acting as " Assistant Secretary '' to XXXX. Chain 4 : Assignment of Substitute Trustee executed on XX/XX/XXXX by Ocwen 's employee XXXX XXXX acting as " attorney-in-fact '' for XXXX and as Vice President for XXXX XXXX which was officially dissolved nine month prior to that day according to TX State Corporation Commission. Chain 5 : Assignment of Substitute Trustee and removal of previously assigned substitute trustee executed on XX/XX/XXXX by XXXX XXXX, an employee of Ocwen, acting as " attorney-in-fact '' for XXXX. Please note, that all transfers have been executed by Ocwen " on behalf '' of XXXX or XXXX. However, XXXX never claimed to be the lender or owner of the mortgage loan. Furthermore, on XX/XX/XXXX I sent a written inquiry to XXXX ' Mortgage Back Securities ( XXXX ) Department via corporate website regarding status of my property. XXXX responded two days later informing that XXXX XXXX XXXX XXXX is the only servicer for all property belongs to XXXX 's trusts and that " XXXX XXXX is not an investor but a Trustee and therefore, does not physically own the loan or the property. XXXX XXXX does not have any say in how the property is disposed, loan modifications, etc. Deed of Trust as a contract between the Lender and Homeowner, indicates that, other than the original lender, the Lender is the entity that has purchased the Note, as the " Lender '' would be the same entity entitled to recovery from " Mortgage Insurance. '' Therefore, a true Lender must have an insurance policy written on Plaintiff 's property. Therefore, I politely request CFPB to assist in my communication with the alleged Lender the XXXX XXXX XXXX XXXX XXXX in order to take clouds out of my title. If XXXX claims to be a Lender or otherwise have standing in this matter, I request the following proof of ownership : 1. When and under what circumstances XXXX decided to acquire the Note of already defaulted loan. 2. Proof of valuable consideration paid to the XXXX in exchange for the Note if such payment has taken place. 3, Power of attorney or agency agreement appointing XXXX XXXX, Ocwen 's contract manager, as attorney-in-fact and duties delegeted. 4. Power of attorney or agency agreement appointing XXXX XXXX, Ocwen 's contract manager, as attorney-in-fact and duties delegated. While there is no objection to an agent acting on behalf of its principal, basic agency law requires that the principal as the proper party be identified and that the agent be authorized to act pursuant to some type of power of attorney or agency agreement. Further, as the document appointing the substitute trustee is put to record, the recitations therein must be truthful and complete to ensure an unbroken and accurate chain of title. Clearly, if the representation is not true, then the document has no legal effect. It is not now, nor has it ever been, the Homeowner 's intention to avoid paying any obligation that is lawfully owed. The same time, it is an obligation of the Homeowner to protect the title on his property from thieves and infringements.
Company Response: Closed with explanation

Timely Response

2018-03-08

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response